Episode 15 Block 1 Published
Social Security Earnings Record Errors: How to Spot and Fix Them
Watch on YouTube Your Social Security benefit is built on your earnings record — and errors happen more often than most people realize. Missing wages from name changes after marriage, SSN transpositions, or employers who never filed can permanently lower your monthly check. This video covers how to check your record, the 3-year 3-month 15-day correction window, and exactly how to file Form SSA-7008 to fix mistakes. Check out the full Social Security playlist for the complete series.
▶ Watch next: Social Security Zero Years: Why Low-Earning Years Hurt Your Check https://www.youtube.com/watch?v=jix6FpkCb3Y
📺 Full playlist: Social Security (US - 2026) https://www.youtube.com/playlist?list=PLlIAFxS296491LWfYsLp6anRyo6_DO_pI
Chapters
SSA credits wages from W-2s and 1099s your employers file. Mistakes happen — wages reported under wrong SSNs, employers that never filed, or name changes after marriage. One missing year can drop your PIA noticeably. The statute of limitations to fix errors is generally three years, three months, and fifteen days — after that, it gets much harder.
Key Topics
- Why you should check your earnings record on my SSA at least once a year
- Common error sources: name changes, SSN transposition, employer non-filing
- The three-year, three-month, fifteen-day statute of limitations
- Exceptions to the statute: fraud, SSA clerical error, some special cases
- How to prove wages: W-2s, pay stubs, bank records, employer affidavits
- Filing a correction via Form SSA-7008
- What happens if your employer is out of business or records are gone