Where to Request Your 1099-SSA

Social Security sends you a 1099-SSA form (officially called a "Social Security Benefit Statement") if you received SSDI payments during the tax year. You do not request it — Social Security mails it to you automatically in January if you received benefits in the prior year. The form goes to the address on file with your Social Security account.

If you did not receive your 1099-SSA by early February, or if you need a replacement copy, contact Social Security directly. You can call 1-800-772-1213 (TTY 1-800-325-0778), visit a local Social Security office in person, or create an account on ssa.gov and view your form online through your "my Social Security" dashboard.

Social Security also mails a copy to the IRS automatically, so the IRS already has a record of your benefits. You still need your own copy to file your tax return accurately.

Key Takeaways

  • Social Security mails your 1099-SSA to you in January if you received SSDI payments during the prior tax year; you do not have to request it.
  • If you did not receive your form by early February, call 1-800-772-1213 or log into your my Social Security account online to request a replacement.
  • The 1099-SSA shows your total SSDI benefits for the year and is required to complete your federal tax return.
  • Social Security sends a copy to the IRS, but you still need your own copy to report the income correctly on your return.

What Information Is on Your 1099-SSA

Your 1099-SSA lists the total amount of SSDI benefits you received during the calendar year. Box 5 shows your gross benefit amount — the full monthly payment before any deductions. If you had Medicare premiums withheld from your check, those appear separately and do not reduce the taxable amount you report.

The form also shows whether any of your benefits are taxable. This depends on your combined income, which includes your SSDI, other income (wages, pensions, interest), and half of your Social Security or SSDI benefits. If your combined income exceeds a certain threshold, a portion of your benefits becomes taxable. The 1099-SSA does not calculate this for you — your tax software or tax preparer uses the form to determine what portion, if any, is taxable on your return.

Getting Your Form Online Through My Social Security

If you have created a my Social Security account at ssa.gov, you can view and print your 1099-SSA without calling or visiting an office. Log in, select "Benefit Verification" or "Tax Information," and look for the option to view your 1099-SSA. You can print it when ready or save it as a PDF.

Creating a my Social Security account takes about 10 minutes and requires your Social Security number, email address, and a way to verify your identity (usually a phone number or address on file). Once you have an account, you can check your benefit amount, view your earnings record, and access tax documents anytime — you do not have to wait for the mail.

Requesting a Replacement by Phone or in Person

Call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) Monday through Friday, 7 a.m. to 7 p.m. your local time. Have your Social Security number ready. Tell the representative you need a replacement 1099-SSA, and they will mail it to you. Delivery usually takes 7 to 10 business days.

You can also visit your local Social Security office in person. Find the nearest office at ssa.gov/locator or by calling the main number above. Bring your Social Security card or another form of ID. The office staff can print your 1099-SSA on the spot or mail it to you if they do not have a printer available.

What to Do If Your 1099-SSA Shows the Wrong Amount

If the benefit amount on your 1099-SSA does not match what you received, contact Social Security before you file your tax return. Errors can happen — a payment may have been delayed, a retroactive adjustment may not have posted correctly, or a representative payee may have received funds on your behalf that are not reflected in your records.

Call 1-800-772-1213 and explain the discrepancy. Social Security will review your payment history and issue a corrected form if needed. This usually takes one to two weeks. Do not file your tax return until you have the correct amount — filing with the wrong figure can delay your refund or trigger an IRS notice.

Using Your 1099-SSA to File Your Tax Return

When you file your federal tax return, you will report your SSDI benefits on Form 1040 (the main individual income tax form). The exact line depends on your tax software or the form version, but it is typically in the income section. Your tax software will ask you to enter the amount from Box 5 of your 1099-SSA.

Your tax preparer or software will then calculate whether any portion of your benefits is taxable based on your combined income. You may owe federal income tax on part or all of your SSDI, or none at all — it depends on your other income and filing status. Your 1099-SSA is the starting point; it is not the final word on what you owe.

State Tax Reporting and Your 1099-SSA

Most states do not tax SSDI benefits, but a few do. Check your state's tax rules or ask your tax preparer whether your state taxes disability benefits. If it does, you will report the same amount from your 1099-SSA on your state return as well.

Some states have different rules for federal versus state taxation of SSDI. For example, a state might not tax SSDI even though the federal government does, or vice versa. Your 1099-SSA is the same document for both — the difference is in how each tax authority treats it. Your tax software usually handles this automatically if you select your state.

Frequently Asked Questions

When does Social Security mail the 1099-SSA?

Social Security mails 1099-SSA forms in January for the prior calendar year. If you received SSDI in 2024, you will receive your 1099-SSA in January 2025. The form should arrive by early February, though mail delivery times vary by location.

Do I need my 1099-SSA if I do not owe taxes?

Yes. Even if you do not owe federal income tax, you may still need to file a return to claim a refund or to meet other requirements. You need your 1099-SSA to report your income accurately. Your tax software will calculate whether you owe tax or are due a refund.

What if I lost my 1099-SSA and need it to file my return?

Contact Social Security when ready at 1-800-772-1213 or log into your my Social Security account to view and print a replacement. You can also visit a local Social Security office. Do not file your return without the correct benefit amount — the IRS has a copy and will compare it to what you report.

Can I file my taxes without waiting for my 1099-SSA?

You can file early if you have your 1099-SSA in hand, but you should not guess at the amount. If you have not received it by mid-February, request a replacement rather than estimate. Filing with the wrong benefit amount can cause the IRS to send you a notice or delay your refund.

Does my 1099-SSA show how much of my benefits are taxable?

No. The 1099-SSA shows your total benefits, but your tax software or preparer calculates the taxable portion based on your combined income and filing status. The form is the input; the tax calculation is the output.