Your Social Security Statement

WANDA WORKER October 2, 2021

Retirement Benefits Personalized Monthly Retirement Benefit

You have earned enough credits to qualify for Estimates (Depending on the Age You Start)
retirement benefits. To qualify for benefits, you earn
62
Age Retirement Benefits Start

“credits” through your work — up to four each year. $1,050

Your full retirement age is 67, based on your date of 63 $1,125
birth: April 10, 1960. As shown in the chart, you can 64 $1,200
start your benefits at any time between ages 62 and 65 $1,300
70. For each month you wait to start your benefits, 66 $1,400
your monthly benefit will be higher—for the rest 67 $1,500
of your life. 68 $1,620
These personalized estimates are based on your
69 $1,740
earnings to date and assume you continue to earn
$51,995 per year until you start your benefits. 70 $1,860
To learn more about retirement benefits, visit Monthly Benefit Amount
ssa.gov/benefits/retirement/learn.html.
Medicare
Disability Benefits You have enough credits to qualify for Medicare at
You have earned enough credits to qualify for disability age 65. Medicare is the federal health insurance
benefits. If you became disabled right now, your program for:
monthly payment would be about $1,656 a month. • people age 65 and older,
• under 65 with certain disabilities, and
Survivors Benefits • people of any age with End-Stage Renal
You have earned enough credits for your eligible Disease (ESRD) (permanent kidney failure
family members to receive survivors benefits. If requiring dialysis or a kidney transplant).
you die this year, members of your family who may Even if you do not retire at age 65, you may
qualify for monthly benefits include: need to sign up for Medicare within 3 months
Minor child: $2,129 of your 65th birthday to avoid a lifetime late
Spouse, if caring for a disabled child or enrollment penalty. Special rules may apply if
child younger than age 16: $2,129 you are covered by certain group health plans
Spouse, if benefits start at through work.
full retirement age: $2,838
For more information about Medicare, visit
Total family benefits cannot be more than: $4,968 medicare.gov or ssa.gov/medicare or call
Your spouse or minor child may be eligible for an 1-800-MEDICARE (1-800-633-4227)
additional one-time death benefit of $255. (TTY 1-877-486-2048).

We base benefit estimates on current law, which Congress has revised before and may revise again to
address needed changes. Learn more about Social Security’s future at ssa.gov/ThereForMe.
 Earnings Record Earnings Not Covered by Social Security
Review your earnings history below to ensure it You may also have earnings from work not
is accurate. This is important because we base covered by Social Security. This work may have
your future benefits on our record of your earnings. been for federal, state, or local government or in a
There’s a limit to the amount of earnings you pay foreign country.
Social Security taxes on each year. Earnings above If you participate in a retirement plan or receive a
the limit do not appear on your earnings record. We pension based on work for which you did not pay
have combined your earlier years of earnings, but Social Security tax, it could lower your benefits. To
you can view them online with my Social Security. find out more, visit ssa.gov/gpo-wep.
If you find an error view your full earnings record
online and call 1-800-772-1213.

Important Things to Know about

Earnings Earnings Taxed Your Social Security Benefits
Taxed for for Medicare • Social Security benefits are not intended to be
Work Year Social Security (began 1966)
your only source of retirement income. You may
1971-1980 $ 20,000 $ 20,000 need other savings, investments, pensions,
1981-1990 41,250 41,250 or retirement accounts to make sure you have
1991-2000 257,712 257,712 enough money when you retire.
2001 34,915 34,915 • You need at least 10 years of work (40 credits)
2002 35,591 35,591 to qualify for retirement benefits. Your benefit
2003 36,717 36,717 amount is based on your highest 35 years of
earnings. If you have fewer than 35 years of
2004 38,686 38,686 earnings, years without work count as 0 and
2005 40,325 40,325 may reduce your benefit amount.
2006 42,315 42,315
• We use cost of living adjustments so your
2007 44,346 44,346 benefits will keep up with inflation.
2008 45,437 45,437
• The age you claim benefits will affect the
2009 44,784 44,784 benefit amount for your surviving spouse.
2010 45,847 45,847
• If you get retirement or disability benefits, your
2011 47,146 47,146 spouse and children also may qualify
2012 48,349 48,349 for benefits.
2013 48,606 48,606 • If you are divorced and were married for 10
2014 49,860 49,860 years, you may be able to claim benefits on
2015 50,850 50,850 your ex-spouse’s record. If your divorced
2016 50,158 50,158 spouse receives benefits on your record, that
does not affect your or your current spouse’s
2017 50,440 50,440
benefit amounts.
2018 50,653 50,653
2019 50,957 50,957
• When you apply for either retirement or
spousal benefits, you may be required to
2020 51,995 51,995 apply for the other benefit as well.
2021 Not yet recorded
• For more information about benefits for
you and your family, visit ssa.gov/benefits/
retirement/planner/applying7.html.
Taxes Paid
Total estimated Social Security and Medicare taxes • When you are ready to apply, visit us at
paid over your working career based on ssa.gov/benefits/retirement/apply.html.
your Earnings Record: • The Statement is updated annually. It is
Social Security taxes Medicare taxes available upon request, either online or
You paid: $34,288 You paid: $19,396 by mail.
Employer(s): $36,003 Employer(s): $19,396

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Form SSA-7005-SM-OL (05/21)