Are You Getting All Your
Social Security Benefits?
Check My Benefits — Free
How This Tool Works
Each potential benefit source is a "BINGO" — you might have several from your own work, a spouse, an ex-spouse, or a deceased spouse.
Social Security pays you only ONE benefit at a time — the highest one you qualify for. Benefits do NOT stack.
SSA does NOT automatically know about your marriages, divorces, or deceased spouses. You won't receive these benefits unless you inform them and apply.
40+ credits of SS-covered work? You likely qualify for retirement benefits.
Current or former spouse worked? You may qualify for up to 50% of their benefit.
Widowed? You could receive up to 100% of their benefit.
Government Employees: Good News!
If you worked for a government employer that didn't pay into Social Security (teachers, police, firefighters, state/local employees), you were previously subject to the WEP/GPO provisions that reduced your benefits.
✨ As of January 6, 2025, these provisions have been repealed! You may now qualify for full Social Security benefits that were previously blocked.
Benefits You Might Qualify For
Retirement Benefits
Based on your own work record if you have 40+ Social Security credits
Spousal Benefits
Based on your current spouse's work record
Ex-Spouse Benefits
Based on an ex-spouse's record (10+ year marriage)
Survivor Benefits
Based on a deceased spouse or ex-spouse's record
How It Works
Answer Simple Questions
5-minute questionnaire about your work history and relationships.
See Your "BINGOs"
Each potential benefit source we find is a "BINGO" — from your own record, spouse, ex, or deceased spouse. You'll learn about all the benefits you qualify for, then choose the highest one.
Inform Social Security
SSA doesn't track your relationships — you must tell them. Call 1-800-772-1213 and request the highest benefit you qualify for.
Critical: These Benefits Are NOT Automatic
Social Security does not track your relationships. You may qualify for benefits based on a current spouse, ex-spouse, or deceased spouse — but SSA won't know unless you tell them.
This tool helps you discover all the benefits you qualify for. Social Security will only pay the highest single benefit — they don't stack. You choose which one to receive.
These benefits will NOT be automatically paid to you. You must contact Social Security and inform them of your relationships to claim what you're owed.
📋 Important Things to Know
Social Security pays you the highest single benefit you qualify for — not multiple benefits combined.
If a higher benefit becomes available (e.g., spouse passes away), you can switch to the larger amount.
You don't need your ex's permission, and claiming doesn't reduce their benefit at all.
Social Security only pays up to 6 months back — every month you wait is money lost forever.
Life Changes? Reassess Anytime
Your benefit eligibility may change when life changes. Come back and retake the questionnaire whenever your situation changes—it's always free. Since SSA doesn't track your relationships, retesting helps ensure you're always claiming the highest benefit available to you.
Don't Leave Money on the Table
Discover all the Social Security benefits you may qualify for. It only takes 5 minutes—and it's completely free.
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