A simple step could mean more Social Security each month — here’s how it works

Nearly 20% of Social Security earnings records contain errors. That directly reduces Social Security benefits. In 2026, the average retirement benefit is about $1,980 per month. Missing income lowers that number permanently. Social Security benefits depend on lifetime earnings and filing age. One zero-income year can cut thousands over retirement. Check your SSA earnings record online. Compare with W-2s and tax returns. Correct mistakes fast. Accurate records mean higher monthly retirement checks.