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How long can you keep a Social Security check without cashing it?

ONE YEAR 123.1What is your time limit for cashing Social Security checks? Checks are issued with the words “VOID AFTER ONE YEAR” printed across the face of the check. If you have a check that you have not cashed past the one-year time limit, you will not be able to cash it.

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123.1 What is your time limit for cashing Social Security checks? Checks are issued with the words “VOID AFTER ONE YEAR” printed across the face of the check. If you have a check that you have not cashed past the one-year time limit, you will not be able to cash it. Contact a Social Security office to have the check reissued. 123.2 How are checks sent to beneficiaries living outside of the U.S.? If you live outside the U.S., your check is mailed either from the U.S. Treasury Department or from a U.S. diplomatic or consular office in the country where you are living. In a few countries, special arrangements are made for check delivery. Because of the distance and additional handling involved, your checks are generally delivered somewhat later than if you were living in the U.S. 123.3 What should you do if you do not receive your check? If you are living in the U.S. and you do not receive your check within three business days after it is usually mailed, contact the Social Security office right away. Also call the Social Security office if your check has been stolen, lost, destroyed, or forged. Be prepared to provide the Social Security office with the following information: The claim number (see �133) on which the benefit is being paid; The period of payment covered by the missing check (or checks); and The name and address which should be shown on the check. 123.4 How do you report a change of address? If your address changes, report the change to Social Security right away. You can make your report by telephone, in writing, in person or on the SSA web-site. Provide your Social Security claim number and your old address, including the ZIP code, so that any check already printed can be found and sent to your new address. Also, notify the post office of your change of address to ensure prompt delivery of your check. Note: If there is any doubt as to the authenticity of a telephone report, the Social Security office requests written confirmation from you.

Last Revised: Apr. 18, 2006

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Can you collect Social Security if you haven't worked in the last 10 years?

Social Security is an earned benefit. To collect a monthly retirement benefit, a worker must pay into the system for at least 10 years (they need not be consecutive years). Tough rules in place assure that only workers who have met the 10-year qualification can collect retirement benefits.

Social Security is an earned benefit. To collect a monthly retirement benefit, a worker must pay into the system for at least 10 years (they need not be consecutive years). Tough rules in place assure that only workers who have met the 10-year qualification can collect retirement benefits. AARP Membership — $12 for your first year when you sign up for Automatic Renewal Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine. Join Now It is possible in some cases to qualify for a disability benefit with less work time, depending on the disabled worker's age, but having paid at least some Social Security taxes is a prerequisite. The only people who can legally collect benefits without paying into Social Security are family members of workers who have done so. Nonworking spouses, ex-spouses, offspring or parents may be eligible for spousal, survivor or children's benefits based on the qualifying worker’s earnings record.

Keep in mind

Noncitizens who live and work in the U.S. legally do pay into Social Security and qualify for benefits under the same terms as citizens. Undocumented people who work may contribute to Social Security via payroll taxes, but they cannot claim benefits.

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