The Social Security Administration (SSA) has issued a redesigned Social Security Statement aimed at increasing clarity and ease of use for beneficiaries. This update introduces several important changes from the previous format, and understanding these differences is important for effective management of Social Security benefits.
A new redesigned social security statement
Newer things aren’t always good, but the improved Social Security Statement is more concise, reducing from four to two pages, allowing visual elements to be incorporated to better convey information. Interactive and clear.
Important extensions include:
- Personalized profit estimates: Color-coded bar graphs display monthly retirement benefits estimated at nine different ages, ranging from 62 to 70, allowing you to visualize how individuals can delay monthly payments.
- Simplified revenue records: Revenue history is presented in a single column format, making it easier to check and verify accuracy.
- Tailored fact sheet:Attached to the statement is a fact sheet customized to the individual’s age group and revenue history, providing relevant information about Social Security programs and benefits.
A new login is now required to access the Social Security Statement
If you have an online Social Security account, you must migrate to your login.gov account to access the redesigned Social Security Statement. This migration to login.gov is part of SSA’s efforts to streamline access to services and improve account security.
Unlike many fake social security emails, this is not a scam. SSA says, “Customers who created an online account by September 18, 2021 (for example, my Social Security account) must immediately migrate to their login.gov account and continue to access the online services,” SSA says. “Administrators simplify the sign-in experience, make changes to federal certification standards, and provide secure and secure access to online services.”
Migrating from Social Security account to login.gov account
Despite being a government site, the transition from a Social Security account to a login.gov account was painless and various multi-factor authentication methods were available.
You don’t have an account, here’s how you can get started
- visit ssa.gov/myaccount Create a “My Social Security” account.
- You will be instructed to set up a login.gov account during the process.
- Please make sure you are ready to verify your valid email address and personal information.
Here is the video that will help you set up your account
Why is the login.gov account useful?
Like it or not, the login.gov account is useful as it provides a secure and streamlined way to access multiple government services with a single username and password.
This is why it’s important:
One account, many services
If you want to access important information, whether you like it or not, you will need this account. From my Social Security to specific Homeland Security Services, USAJOBS, SBA loans, and more, you can now Must do Log in using login.gov. It is becoming the default way for the federal government to manage secure signs.
Stronger security
Trusting the government for a variety of reasons can be difficult, but login.gov uses Multifactor Authentication (MFA). This adds a second layer of protection, keeping your personal information safe from identity theft and fraud. This is especially important when managing sensitive data, such as financial records and benefits applications.
Uniform identity verification
Some services require identity verification (such as SSA and IRS), and login.gov helps standardize this process across the platform. Once confirmed, there is no need to repeat the same steps for each new agent.
In 2025, SSA announced plans to close or consolidate several field offices across the US as part of a broader initiative to reduce costs and increase efficiency. This shift has sparked accessibility concerns, especially for rural older adults and individuals who rely on in-person services. To alleviate these challenges, SSA emphasizes the use of digital platforms such as login.gov, allowing users to securely access their Social Security accounts, apply for benefits, and manage their personal information online.
How do I know when I will start Social Security?
Deciding when to start Social Security is one of the most important and personal retirement options you make. Billing early (as soon as age 62) reduces your monthly profits, but in the short term it can help you maintain your savings, but delaying benefits will increase your monthly lifetime income.
The best decision will depend on your unique financial situation, health outlook, income needs and goals. The Boldin Retirement Planner makes this decision easier by allowing multiple claims scenarios to be modeled side by side. You can instantly see how starting from the age of 62 to 70 will affect your overall retirement plan, taxes, investment cuts, and long-term financial security. So I haven’t speculated. We plan for data and trust.
Modeling Social Security at Boldin Planner
First, you need to know the benefits of you and your spouse at full retirement age. Therefore, the new Social Security Statement will help you! Once you understand your benefits, you can log in to Boldin Planner.
- Go to my plan > income > Social Security
- Use the pencil icon to edit. If you are planning on receiving benefits, press “Yes” when asked if you are expected to receive Social Security benefits
- Enter your benefits at a full retirement age
- Please choose the age at which you will be requesting Social Security benefits. Your profits at the starting age (pre-tax) will be adjusted and will increase if you are behind the full retirement age and will decrease if you charge early.
- Repeat the process for the benefit of your spouse (if applicable)
- Run scenarios at different claims ages to assess the impact of your financial health
- Note that the model automatically switches to higher earner profits depending on the age of the longevity of the spouse that is predicted to die first
