What is an earnings record?
The Social Security Administration has a written record of all your earnings under your name and Social Security number. This record will be used to calculate your future benefits.
How can I check my work history and earnings record? You can access your personal earnings record by visiting your mySocialSecurity account. If you don’t have an account, you can create one for free at ssa.gov. You may also receive a Social Security statement in the mail which will include your earnings history.
Why is it important that your earnings record is accurate? It is important that you take a look at the information on your record and make sure the details are accurate because your earnings history has a direct impact on the amount of benefits you (and your family members) are entitled to.
How will my work history impact my future benefits? One of the eligibility requirements for Social Security benefits is having a minimum of 40 work “credits” to qualify for Social Security benefits. The amount of earnings required for one credit in 2021 is $1,470. The credit may only be earned from a job that pays Social Security payroll taxes. You cannot earn more than 4 credits in one year and therefore, you must work a minimum of 10 years in order to earn those 40 credits. Additionally, your benefits will be calculated using the highest 35 years of your earnings.
What should I do if I find an error on my record? Contact the Social Security Administration if you need to correct your earnings record.
Learn how to correct your earnings record here.