Cover of The 10-Minute Social Security Check
Free guide · 10 minutes

Social Security, checked in 10 minutes.

Five checks every woman should do before she retires.

10-Minute Social Security Check6 pagesFree

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What it solves


"I thought my full retirement age was 65."

For most women reading this it's 67. Check 1 shows yours, and what claiming early costs you for life.

"I don't know if my record is even right."

One missing year lowers your check forever. Check 2 shows how to spot it, and how to fix it.

"I'm divorced. I assumed I get nothing from his record."

Married 10 years or more? You may be able to collect on it, and he's never told. Check 5.

What's inside


  • Check 1: your real full retirement age
  • Check 2: your earnings record, year by year
  • Check 3: do you have 40 credits?
  • Check 4: your three numbers: 62, full age and 70
  • Check 5: what wives, widows and divorced women can get
  • What the "trust fund" news really means for your check
Page from The 10-Minute Social Security Check: Checks 1 and 2
Checks 1 and 2
Page from The 10-Minute Social Security Check: Check 5
Check 5
Page from The 10-Minute Social Security Check: Your answers
Your answers

Education, not financial advice. Every number comes from ssa.gov.

Maya Voss

Hi, I'm Maya. Here's why I wrote this.

For 26 years I worked in HR at a school district in Kansas. I sat across the table from hundreds of people getting ready to retire, and I took the calls afterwards, when something had gone wrong. Almost every one of those calls came down to a date, a form or a number nobody had checked.

So I write the checks down, one page at a time, with every rule from its official source. I don't sell insurance or investments. Just what to look at, and what to do.

Questions


Who is it for?

Any woman within about 10 years of retiring, or retired but not collecting Social Security yet. Any job, any state. If you worked somewhere that didn't pay Social Security tax, like some schools and public jobs, Check 5 has a note for you.

What do I need?

Ten minutes and your my Social Security account at ssa.gov (you sign in with Login.gov or ID.me). The guide shows you exactly where to look.

Is it really free?

Yes. You get the PDF right away, and Maya's short emails about retirement. One click at the bottom of any email and they stop.

Get the free check