SSA recently issued a reminder to regularly review earnings records, saying that while more than 98 percent of earnings reported to it by employers are correct, the inaccuracies that do occur can be costly to the individual.

“In some situations, if an employer did not properly report just one year of your work earnings to us, your future benefit payments from Social Security could be close to $100 per month less than they should be. Over the course of a lifetime, that could cost you tens of thousands of dollars in retirement or other benefits to which you are entitled,” it said.

“We rely on you to inform us of any errors or omissions. You’re the only person who can look at your lifetime earnings record and verify that it’s complete and correct,” it said.

It suggested checking each year’s earnings recorded by SSA by using the online My Social Security account; the site provides information on how to correct any errors that are found.

“Sooner is definitely better when it comes to identifying and reporting problems with your earnings record. As time passes, you may no longer have past tax documents and some employers may no longer be in business or able to provide past payroll information,” it added.