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The quickest and easiest is to use AARPs Social Security Benefits Calculator or check your online My Social Security account. The latter draws on your earnings record on file with the Social Security Administration; for the AARP calculator, youll need to provide your average annual income.
With a my Social Security account, you may be able to correct your Social Security earnings record online, but you can also contact us at 1-800-772-1213 (TTY 1-800-325-0778). It will be helpful to have information such as Forms W-2, pay stubs, etc.
Wait for Your Statement to Be Updated It may take a year or two for earnings to be included on your Social Security statement.
If the payment was a paper check, SSA will place a stop payment on the original missing check. Once the stop payment has been processed, which can take up to ten days, a replacement check will be issued. In this circumstance, if the first original check shows up, you cannot cash the check.
For a worker who becomes eligible for Social Security payments in 2023, the benefit amount is calculated by multiplying the first $1,115 of average indexed monthly earnings by 90%, the remaining earnings up to $6,721 by 32%, and earnings over $6,721 by 15%.
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Repay Social Security Benefits If you change your mind within the first 12 months of electing benefits, you can still file a Form SSA-521 to withdraw the application and pay back any benefits.
If you get a benefit payment you believe was too little, call SSA at 800-772-1213 or visit a Social Security office. SSA will investigate the matter and compensate you for any underpayment in a lump sum or through increased monthly payments.
To seek correction of information related to individual records, benefits, or earnings, please call us at 1-800-772-1213 or contact us.
Cancel or withdraw your application up to 12 months after your benefit approval. You can only cancel your application once and can reapply later.
Contact the Social Security Administration Once you have collected appropriate documentation, call the Social Security Administration at 1-800-772-1213. If you discover an error in the earnings listed, the first thing to do is gather documents that show proof of the correct amount, Anspach says.

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