For years the Social Security Administration sent out the Statement of Projected Benefits three months before your birthday, and this approach cost the government millions to administer. In an attempt to keep costs down — and finally enter the 21st century — the program has finally gone digital. While the online statements can provide valuable information, workers — particularly younger ones — should remain aware of the limitations of the Social Security program.

According to recent trustee reports, the Social Security Old-Age, Survivors and Disability Trust Funds will be exhausted sometime between 2036 and 2041.

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