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Important: How Social Security Benefits Work

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Pick the HIGHEST benefit

You can only receive ONE benefit at a time. Review all your "BINGOs" below and work with Social Security to determine which pays the most.

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Social Security doesn't track your relationships

Social Security does NOT automatically know about your marriages, divorces, deceased spouses, and ex-spouses. You must tell them to qualify.

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Situation changed? Get another tune-up

If you marry, divorce, or a spouse/ex passes away, come back for another free checkup.

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Potential Benefits Found

Compare these and claim the highest one

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Save This Before You Leave!

Don't lose this information. Save it now so you have it when you call Social Security.

🔗 Share Your Results

Get a link to save or share your results. Text it to yourself, email it, or bookmark it.

📧 Email Results to Yourself

🖨️ Print / Save as PDF

Tip: Choose "Save as PDF" in print dialog

📱 Screenshot

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Critical: You Must Inform Social Security

Social Security does not track your relationships. The benefits shown above will NOT be automatically paid to you. You must call and inform them about your spouse, ex-spouse, deceased spouse, or deceased ex-spouse to claim these benefits.

Choose the highest benefit. Social Security only pays one benefit at a time — they don't stack. Review all your "BINGOs" above and request the one that pays the most.

📞 Now Call to Claim Your Benefits

1-800-772-1213

Social Security · Mon–Fri, 8am–7pm

Say this:

"I'd like to review the Social Security benefits I may be eligible for, including spousal and survivor benefits."

Have ready: Your SS# and spouse/ex-spouse SS# (if applicable), birth certificate, marriage/divorce papers, pension info (if applicable)

💡 Tip: If claiming ex-spouse benefits, having their SSN speeds things up — but Social Security can look it up if you don't have it.

Ask them to review:
    💰 These are YOUR benefits — you've already earned them.
    ⏰ Only 6 months retroactive — every month you wait is money lost.
    📊 You receive only ONE benefit — whichever is highest. They do NOT stack or combine.
    🚨 Benefits are NOT automatic — Social Security doesn't track relationships. You must inform them to receive payment.
    👤 Ex-spouse benefits — no cooperation needed, and it doesn't reduce their benefit.
    🔧 Life changes? — Come back for another tune-up anytime for free when your situation changes.

    🔧 Situation Changed?

    If you married, divorced, or a spouse/ex-spouse passed away, retake the questionnaire to see updated benefits you may qualify for.

    Retake Questionnaire

    ⚠️ This is non-partisan educational information, not financial advice. Not affiliated with any political party. Social Security makes all final determinations. Based on laws in effect as of January 1, 2026.

    SSTuneUp.com — Call Social Security at 1-800-772-1213