Is Your Social Security
Running at Peak Performance?
Start My Free Tune-Up
How This Tool Works
Each potential benefit source is a "BINGO" — you might have several from your own work, a spouse, an ex-spouse, a deceased spouse, or a deceased ex-spouse.
Social Security pays you only ONE benefit at a time — the highest one you qualify for. Benefits do NOT stack.
Social Security does NOT automatically know about your marriages, divorces, deceased spouses, and ex-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 or has your ex-spouse passed away? 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✨ As of January 6, 2025, these provisions have been repealed!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 a former spouse's record (10+ year marriage)
Survivor Benefits
Based on a deceased spouse or former spouse's record
Your 3-Step Tune-Up
Quick Diagnostic
Answer simple questions about your work history and relationships. Takes just 2 minutes.
Get Your Results
We'll identify every potential benefit source — from your own record, spouse, ex, deceased spouse, or deceased ex. Then you pick the highest one.
Claim Your Benefits
Social Security doesn't track your relationships — you must tell them. Call 1-800-772-1213 and request your benefits.
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, deceased spouse, or deceased ex-spouse — but Social Security won't know unless you tell them.
This tool helps you discover 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? Time for Another Tune-Up
Your benefit eligibility may change when life changes. Come back for another tune-up whenever your situation changes—it's always free. Since Social Security doesn't track your relationships, regular checkups help ensure you're always getting peak performance from your benefits.
Ready for Your Tune-Up?
Get your Social Security running at peak performance. The checkup takes just 2 minutes—and it's completely free.
Start My Free Tune-UpKnow someone who might benefit?