How to Create a my Social Security Account

A Step-by-Step Guide to Creating an Online Social Security Account for Seniors

Overview

Even if you haven't retired yet, it's a good idea to go ahead and create a my Social Security account. If you're not eligible for benefits yet, the online account allows you to request a replacement Social Security card if you have lost yours, view benefit estimates, and check your application status if you're applying for Social Security. If you are eligible to receive benefits, the account allows you to update your information, set up direct deposits, and more!1

how much social security will i get

What Is a my Social Security Account?

Before my Social Security was established by the government in 2013, Americans had to visit their local Social Security office in person or call. Now, citizens over the age of 18 can create an account and securely do business online.

This is definitely a timesaver –– say goodbye to waiting in line at the Social Security office and being put on hold during a phone call! Plus, you won't have to coordinate transportation to the office, since you can log in from the comfort of your home. The my Social Security account allows seniors to take care of Social Security matters anywhere at any time.

All you have to do is create an account and log in to begin accessing services. You can set up a my Social Security account now whether you're eligible for benefits or will be in the future. The interactive tools allow you to safely access your personal record.

Fun Fact: More than 9 out of 10 Americans age 65 and older receive Social Security benefits.2

What You Can Do with a my Social Security Account

If You're Not Yet Receiving Benefits If You Are Already Receiving Benefits
See if you're eligible to receive benefits. Change your address.
View spousal benefit estimates. Set up or change direct deposit information.
Compare retirement benefits estimates at different ages or dates when you want to start receiving benefits. Get a proof of income letter.
Check your application status if you have applied to receive Social Security. Access a Social Security 1099 (SSA-1099) form.
Get proof that you do not receive benefits. Opt out of mailed notices.
Request a replacement Social Security card. Request a replacement Social Security card.

Is It Safe to Create a Social Security Account Online?

We get it, exchanging sensitive financial information online can be anxiety-inducing! What if my personal information is stolen? How do I know if my information is truly secure? Those are all valid questions. You can never be too careful online, and we're passionate about protecting seniors from scams and identity theft.

To ease your concerns (and ours!), we thoroughly read through the security and protection procedures Social Security takes to keep your information safe and out of the hands of scammers.3 When setting up your my Social Security account, you'll be asked a series of security questions to verify your identity. That means no one can create an account using your information or access your existing account.

Once your account is set up, the site has a two-step login process to keep you safe. You'll enter your username and password and a security code that they send to you via text message or email (your choice). This double security login is impressive!

Since only one account is tied to each Social Security number, it is beneficial to set up your account early. Plus, you can look at your benefit estimates to assist you in planning for the future.

FYI: If you need additional assistance setting up your account, you can create an account in person or over the phone by visiting or calling your local Social Security office.

How to Set Up Your my Social Security Account Online

Securely setting up your my Social Security account can be completed in a few simple steps. We'll show you how! Before you get started, here is what you'll need on hand to set up your account.

  • Your Social Security number
  • A valid U.S. mailing address
  • An email address
  1. Open your web browser and type “ssa.gov/myaccount/” in the URL bar.

    Type in the URL to access my Social Security

  2. Next, click “Create an Account.”

    Click Create an Account on the my Social Security home page

  3. Click “Create New Account.”

    Click Create New Account to set up your my Social Security account

  4. Read through the terms of service. Once you're finished, scroll down to the bottom and click the checkmark box to indicate you agree to the terms of service. Then click “Next.”

    Check the box to agree to my Social Security's terms of service

  5. Next, you'll be asked to fill your personal information. When you're finished filling in the information, click “Next” at the bottom of the page.

    Fill in your my Social Security personal info

  6. On the next page, you'll be presented with a series of questions that only you know the answers to. This will allow the Social Security Administration to verify your identity.

    Click Next

  7. Then, they will send a verification code to the email address or cell phone number you provided.
  8. After you have verified who you are, you'll be asked to set up a username and password. Make sure you write it down in a secure place for safekeeping.

You have now completed the setup process for your my Social Security account!

Keep in Mind: When you create a my Social Security account, you will no longer receive paper statements in the mail. Instead, you will receive an email reminding you to review your statement by logging into your online account.

Working as a waitress in college, older adults were Morgan’s favorite customers. The jokes, conversation, and wisdom they shared always made her days at the restaurant a little brighter. When she landed her first job out of college as a copywriter for… Learn More About Morgan Redding

Citations
  1. Social Security. (2021). Create your personal my Social Security account today.

  2. Social Security. (2021). Fact Sheet SOCIAL SECURITY.

  3. Social Security. (2021). The Online Identity Verification Process.