How to get your United States pension statement

Social Security Statement

Known in English as the Social Security Statement. Look for this name on the site — it may not be translated.

• Your Social Security number.
• A Login.gov or ID.me account — SSA no longer issues its own credentials for new users.
• Be aware: creating an account generally expects a US mailing address and a US phone number, which is the main obstacle for people living overseas.

1. 1
   Go to my Social Security

   The online account is the fastest route to your Statement, which shows your earnings history year by year and your estimated retirement benefit.

   Open this page ↗
2. 2
   Sign in with Login.gov or ID.me

   Identity proofing runs through one of these providers. If you already use Login.gov for another federal service, reuse it.
3. 3
   Download your Social Security Statement

   Read the earnings record carefully — missing or wrong years reduce your benefit, and they are far easier to correct now than decades later.
4. 4
   Understand what the estimate assumes

   The projected benefit generally assumes you keep earning at your recent rate until retirement. It is not 'what I have earned so far', so treat it as a projection, not an entitlement already banked.
5. 5
   If you're abroad and can't create an account

   Form SSA-7004 requests a Statement by mail. The Federal Benefits Unit at the US embassy or consulate covering your country handles Social Security matters for people living overseas.

You have no US address or US mobile, so account creation fails

Use the SSA-7004 postal request, or contact the Federal Benefits Unit for your country. Never use a third-party service that offers to create the account for you — it would need your SSN and credentials.

Your earnings record has missing years

Gather W-2s, tax returns or pay stubs for the missing years and contact SSA to correct the record. There are time limits on corrections, so do not leave it.

You worked in both the US and a treaty country and have too few US credits

A totalization agreement may let foreign coverage count toward US eligibility. This does not appear on the Statement — you have to raise it when you claim.

Whether a specific overseas address or non-US phone number can complete Login.gov / ID.me identity proofing varies and changes; we could not confirm a reliable route that works from every country.

Upload the statement to your vault and we'll read the figures out of it — balances, benefits, vesting and retirement ages — and tell you what changed since your last one.