For many Americans, Social Security benefits are vital for financial security. However, some may not receive the full amount they are entitled to due to errors in their earnings records or personal status updates. To avoid losing money, it is crucial to conduct three simple checks. First, reviewing your earnings record is essential, as benefits are calculated based on your 35 highest-earning years. Log into your Social Security account to verify that your earnings match your tax returns. Second, ensure that any changes in personal circumstances, such as the death of a spouse, are reported to the Social Security Administration. Finally, understand the earnings test rules, which may temporarily withhold part of your benefits if you earn above certain limits while still working. Additionally, keep an eye on annual cost-of-living adjustments (COLA) to ensure your payments reflect the latest increases. In 2026, Social Security payments will be made on the second, third, and fourth Wednesdays of each month, with specific dates outlined for each month.