A my Social Security account allows individuals to review their earnings record, see how much they and their employers have paid into Social Security, and get personalized estimates of future retirement, disability, and survivor benefits. The account also enables users to update personal information, manage direct deposits, and request documents such as replacement Social Security or Medicare cards.
“It's the highest 35 years of covered earnings that count toward the benefit calculation,” says John Palmer, University Professor Emeritus and former public trustee for the Medicare and Social Security programs. If you don't have at least 35 years of work listed, zeros are averaged into the final calculation.
Read more in the U.S. News & World Report article, “Why You Should Create a My Social Security Account.”
