Creating an Online Social Security Account

Now that we understand the basics of Social Security (See our article, Start Here: Social Security) let’s walk through the first step to managing your benefits: creating a Social Security Administration account. With an online account, you can access a range of services, including checking your benefit status, reviewing your earnings history and managing your personal information. Here at the Resource Center, we are very familiar with Social Security benefit questions. Although we are not able to look up an individual’s benefits, we can point you in the direction needed to get your answers.  Follow these steps to set up your account and get access to your Social Security benefits and information: 

1. Gather Required Information 

Before you start the registration process, ensure you have the following information handy: 

• Social Security Number (SSN)
• Date of Birth
• Telephone Number
• Mailing Address
• Email Address
• U.S. Bank Account Number (for direct deposit)
• Information from your driver’s license or state-issued ID 

2. Visit the Social Security Administration (SSA) Website 

Go to the official Social Security Administration website at www.ssa.gov. Click on the “Sign In” link at the top right corner of the homepage.   

3. Create a Login.gov Account 

If this is your first time creating a Social Security account, you’ll need to create a Login.gov account. This is a secure platform used by multiple federal agencies. 

• Click on “Sign in with Login.gov” and follow the prompts to enter your email address, confirm your email, create a password and set up your authentication method.
• Store your login information and password in a secure location.

4. Verify Your Identity 

Once your Login.gov account is set up, you’ll be redirected to the SSA website to verify your identity. This involves providing personal information such as: 

• Full Name
• Date of Birth
• Social Security Number
• Mailing Address
• Phone Number

You may also need to provide additional information from your driver’s license or state-issued ID for identity verification. 

5. Receive a Verification Code

You will be prompted to receive a verification code via phone call or text.  Enter this code in the space provided.

6. Set Your Notification Preferences

You will be given the option to receive Social Security communication via email or paper statements mailed to your address on file. 

7. Agree to Terms and Conditions 

Read and accept the terms and conditions of the Social Security Administration. This typically involves agreeing to the privacy policy and confirming that you understand the terms of service. 

8. Complete the Registration 

After agreeing to the terms and conditions, complete the registration process. You may need to verify your email address or phone number. 

9. Log In to Your Account 

Once your account is set up, log in using your newly created username (email) and password. You can now access your Social Security benefits, check your earnings record, request a replacement card and more. 

10. Secure Your Account 

To ensure your account remains secure: 

• Enable Two-Factor Authentication (2FA). This adds an extra layer of security by requiring a code sent to your phone or email.
• Regularly Update Your Password: Change your password periodically to enhance security.
• Monitor Account Activity: Regularly check your account for any unauthorized activity. 

Creating an online Social Security account is a straightforward process that can save you time and hassle later. By following these steps, you’ll gain easy access to your Social Security information and services, allowing you to manage your benefits efficiently and securely. If you encounter any issues during the setup, the SSA website offers support resources, or you can contact their customer service for assistance.