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Kiplinger
Kiplinger
Business
Donna LeValley

Why Waiting to Claim Your Online Social Security Account Is a Major Security Risk

Mature couple discussing budget and bills, feeling worried about their financial future.

When you think about managing Social Security, retirement might feel decades away — or at least like a task for future you. But waiting until you’re ready to claim benefits to set up your online my Social Security account is a major missed opportunity.

Creating your profile early isn't just about previewing your future monthly checks. It’s a critical cybersecurity move, a safeguard against employer reporting errors and a simple way to keep your financial records accurate throughout your career.

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