Tuesday, May 31, 2016

Adjusting Your Social Security Earnings Record

What do you do if  your social security earnings record is not correct? It is important because your benefit is based on the highest 35 years of earnings over your work career. If you worked less than 35 years, then the zeros for those years reduce your benefits. A member of my family has been in an epic struggle for two years to change earnings for 2010 from 0 to their self employment income for that year. We started off calling the national social security office and sending in the tax return for that year showing the self employment income to the local social security office. Nothing happened. Then the family member visited the local office to present the papers in person. After a 3 hour wait, the papers were presented and the family member was told to wait 90 days for the papers to be processed. Nothing happened. After another meeting at the local office, the agent said to get the tax transcript certified by the IRS. We learned after a visit to the IRS, that they don't do certifications and the transcript should have been ok as is. At the third meeting at the local social security office, the agent said she would call after she talked to her supervisor. There has been no call. That is where we are now. There are several lessons to be learned from this: the problem has to be fixed at the local social security office, you need a tax transcript to prove your W-2 or self employment income, they won't call you back, and keep copies of all the documents that you give to social security. We are thinking now of trying another local social security office and not leaving until the problem is fixed or they tell us what is wrong.

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