The Social Security Administration (SSA) keeps track of your earnings to determine how much Social Security benefits you’re eligible to receive. If there’s a mistake in your earnings record, it could lead to problems when you retire, apply for disability benefits, or claim survivor benefits. Here’s how you can correct errors in your Social Security earnings record.
1. Understand Why Your Earnings Record Matters
Your earnings record is used to calculate your Social Security benefits, so it must be accurate. The more money you earn and report to Social Security, the higher your benefits will be when you retire or if you become disabled. If there are errors in your earnings record, you might receive less than you deserve.
2. How to Check Your Social Security Earnings Record
The first step in correcting any error is to make sure you are aware of what’s on your record. You can do this by requesting a copy of your Social Security Statement. This statement shows the earnings reported by your employer over the years and calculates your benefits.
You can get a copy of your Social Security Statement online by creating a “my Social Security” account at the official SSA website.
Once you have your statement, carefully check for any discrepancies in your earnings, such as missing wages, incorrect amounts, or jobs that aren’t listed.
3. Common Social Security Earnings Record Errors
Here are some common types of errors that might show up on your earnings record:
- Missing or Incorrect Wages: Sometimes, wages you earned may not be reported correctly by your employer. This can happen if your employer didn’t report your earnings or made an error in the amounts they reported.
- Incorrect Personal Information: If your name, birthdate, or Social Security number is listed incorrectly, it can cause problems in your earnings record.
- Unreported Self-Employment Income: If you were self-employed and didn’t file taxes properly or report your earnings, it could cause discrepancies.
4. How to Correct Your Social Security Earnings Record
If you spot an error, the good news is that you can fix it. Here’s how to go about correcting:
Step 1: Gather Your Proof. Before you contact the SSA, gather proof of your earnings. This might include pay stubs, tax returns, W-2 forms, or other employment records that show the correct earnings. If you are correcting an issue with your self-employment income, your tax returns and records of payments to the IRS will be helpful.
Step 2: Contact the SSA. To report the error, you must contact the Social Security Administration. You can do this by calling their toll-free number at 1-800-772-1213 or by visiting your local SSA office. When you call, make sure you have your Social Security number and any relevant documents ready.
Step 3: Submit Documentation After you’ve reported the mistake, you’ll likely need to submit the supporting documents to prove your claim. Depending on the situation, this may require sending copies of tax returns, W-2 forms, pay stubs, or other records that show the correct earnings.
Step 4: Follow Up. After submitting your documents, the SSA will review your case. It can take a few weeks or months for them to process your correction request. Be sure to follow up regularly to ensure your case is being handled.
5. What Happens After Your Earnings Record Is Corrected?
Once the SSA has reviewed your case and corrected your earnings record, you’ll receive an updated statement. This will reflect the correct earnings, and it may adjust your benefits. If your benefits increase as a result of the correction, you may receive a larger monthly payment or a retroactive payment for any benefits that you were underpaid in the past.
If the SSA determines that no error was made, you’ll be notified in writing. If this happens, and you still believe an error exists, you can appeal the decision.
6. Tips to Prevent Future Errors
To avoid future mistakes in your earnings record, make sure your personal information is always up to date with the SSA. This includes:
- Reviewing Your Earnings Regularly: Always check your Social Security statement to ensure your earnings are accurately reported.
- Reporting Changes Quickly: If you change your name, address, or other personal details, inform the SSA as soon as possible.
- Keeping Good Records: Save all of your pay stubs, W-2 forms, and tax returns. These documents can be helpful in case of a mistake or discrepancy.
7. When to Seek Legal Help
If you’re having trouble correcting your earnings record or the SSA has denied your correction request, it may be a good idea to consult a lawyer who specializes in Social Security law. They can help you navigate the process and ensure you get the benefits you deserve.
Conclusion
Correcting errors in your Social Security earnings record is essential to ensure that you receive the benefits you’re entitled to when you need them most. By regularly checking your statement, gathering the right documentation, and following the SSA’s steps to correct any mistakes, you can avoid future issues. If you run into difficulties, don’t hesitate to seek help to get your record straight.
Disclaimer: This article has been meticulously fact-checked by our team to ensure accuracy and uphold transparency. We strive to deliver trustworthy and dependable content to our readers.

Jon King is an experienced journalist with 3 years of experience in the field. With a strong background in investigative reporting, Jon is known for his in-depth coverage of crime news, finance news, local news, and USA news. Currently working with Mikeandjonpodcast, Jon brings his sharp investigative skills, where he provides timely updates and analysis on a wide range of topics. His commitment to delivering accurate and impactful news has earned him a reputation for providing insightful and comprehensive stories that resonate with his audience.