February 2, 2023
WANDA WORKER
Your Social Security Statement
Disability Benefits
You have earned enough credits to qualify for disability
benets. If you became disabled right now and you
have enough recent work, your monthly payment would
be about $2,083. Learn more at ssa.gov/disability.
Medicare
You have enough credits to qualify for Medicare at
age 65. Medicare is the federal health insurance
program for people:
• age 65 and older,
• under 65 with certain disabilities, and
• of any age with End-Stage Renal Disease
(ESRD) (permanent kidney failure requiring
dialysis or a kidney transplant).
Even if you do not retire at age 65, you may
need to sign up for Medicare within 3 months
of your 65th birthday to avoid a lifetime late
enrollment penalty. Special rules may apply if
you are covered by certain group health plans
through work.
For more information about Medicare, visit
medicare.gov or ssa.gov/medicare or call
1-800-MEDICARE (1-800-633-4227)
(TTY 1-877-486-2048).
Survivors Benefits
You have earned enough credits for your eligible
family members to receive survivors benets. If you
die this year, members of your family who may qualify
for monthly benets include:
Minor child: $1,562
Spouse, if caring for a disabled child or
child younger than age 16: $1,562
Spouse, if benets start at full retirement age: $2,083
Total family benets cannot be more than: $3,802
Your spouse or minor child may be eligible for an
additional one-time death benet of $255. Learn
more at ssa.gov/survivors.
We base benet 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.
Personalized Monthly Retirement Benefit
Estimates (Depending on the Age You Start)
Age Retirement Benets Start
Monthly Benet Amount
$1,46562
$1,569
63
$1,681
64
$1,827
65
$1,973
66
$2,119
67
$2,291
68
$2,463
69
$2,634
70
Retirement Benefits
You have earned enough credits to qualify for retirement
benets. To qualify for benets, you earn “credits” through
your work — up to four each year.
Your full retirement age is 67, based on your date of birth:
April 5, 1962. As shown in the chart, you can start your
benets at any time between ages 62 and 70. For each
month you wait to start your benets, your monthly
benet will be higher—for the rest of your life.
These personalized estimates are based on your
earnings to date and assume you continue to earn
$54,489 per year until you start your benets. Learn
more at ssa.gov/benets/retirement/learn.html.
Form SSA-7005-SM-OL (02/23) | Enclosures: Publication XX-XXXXX, Publication XX-XXXXX
Important Things to Know about
Your Social Security Benefits
• Social Security benets are not intended to be your
only source of retirement income. You may need
other savings, investments, pensions, or retirement
accounts to make sure you have enough money
when you retire.
• You need at least 10 years of work (40 credits) to
qualify for retirement benets. Your benet amount
is based on your highest 35 years of earnings. If
you have fewer than 35 years of earnings, years
without work count as 0 and may reduce your
benet amount.
• To keep up with inflation, benefits are adjusted
through “cost of living adjustments.”
• If you get retirement or disability benets, your
spouse and children may qualify for benets.
• When you apply for either retirement or spousal
benets, you may be required to apply for both
benets at the same time.
• If you and your spouse both work, use the
my Social Security Retirement Calculator to
estimate spousal benets.
• The age you claim benets will affect the benet
amount for your surviving spouse. For example,
claiming benets after your full retirement age
may increase the Spouse, if benets start at full
retirement age amount on page 1; claiming early
may reduce it.
• If you are divorced and were married for 10
years, you may be able to claim benets on your
ex-spouse’s record. If your ex-spouse receives
benets on your record, that does not affect your or
your current spouse’s benet amounts.
• Learn more about benets for you and
your family at ssa.gov/benets/retirement/
planner/applying7.html.
• When you are ready to apply, visit ssa.gov/
benets/retirement/apply.html.
• The Statement is updated annually. It is available
online, or by mail upon request.
Earnings Not Covered by Social Security
You may also have earnings from work not covered
by Social Security, where you did not pay Social
Security taxes. This work may have been for
federal, state, or local government or in a foreign
country. If you participate in a retirement plan or
receive a pension based on work for which you
did not pay Social Security tax, it could lower your
benets. Learn more at ssa.gov/gpo-wep.
Work Year
Earnings
Taxed for
Social Security
Earnings Taxed
for Medicare
(began 1966)
1971-1980 $ 2,142 $ 2,142
1981-1990 87,10 2 87,10 2
1991-2000 246,069 246,069
2001 34,147 34,147
2002 34,846 34,846
2003 36,021 36,021
2004 38,032 38,032
2005 39,711 39,711
2006 41,829 41,829
2007 43,971 43,971
2008 45,170 45,170
2009 44,603 44,603
2010 45,666 45,847
2011 47,0 93 47,0 93
2012 48,560 48,560
2013 49,095 49,095
2014 50,605 50,605
2015 51,996 51,996
2016 52,108 52,108
2017 53,251 53,251
2018 53,966 53,966
2019 54,559 54,559
2020 54,489 54,489
2021 Not yet recorded
Taxes Paid
Total estimated Social Security and Medicare taxes
paid over your working career based on
your Earnings Record:
Social Security taxes
You paid: $75,568
Employer(s): $77,498
Medicare taxes
You paid: $18,158
Employer(s): $18,158
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Earnings Record
Review your earnings history below to ensure it
is accurate because we base your future benets
on our record of your earnings. There’s a limit to
the amount of earnings you pay Social Security
taxes on each year. Earnings above the limit do not
appear on your earnings record. We have combined
your earlier years of earnings below, but you can
view your complete earnings record online with
my Social Security. If you nd an error, view your
full earnings record online and call 1-800-772-1213.