# How financial advisors request an SSA-1099 from clients

Source: https://dokutrak.com/requests/financial-advisors/ssa-1099
Author: Arthur Teboul, DokuTrak
Published: 2026-11-13
Language: en-US

> If the client already receives Social Security, ask for the SSA-1099 for the last year, the benefit statement Social Security mails in January. It confirms that benefits are claimed, how much is paid, and what is deducted for Medicare. A replacement copy is available from the client’s my Social Security account online.

## Why financial advisors need an SSA-1099

Once benefits are claimed, the claiming conversation is over and the plan works from the actual benefit instead of an estimate. Box 5 shows net benefits for the year, the description of amounts lists Medicare premiums deducted, and box 6 shows any voluntary federal tax withheld. For a couple, each spouse who receives benefits has their own SSA-1099, and both feed the retirement income projection.

## What exactly to ask for

The SSA-1099 for the most recent year, for the client and, if married, for the spouse. Someone who receives only SSI does not get an SSA-1099. If the client has not claimed yet, ask instead for their Social Security statement with estimated benefits, also downloadable from my Social Security.

## What to check when it arrives

- The name and year are right, with one form for each spouse receiving benefits.
- Medicare premiums shown in the description of amounts are noted for the retirement budget.
- Box 6 voluntary withholding is noted, so the tax projection reflects what is already paid.

## Email to send your client

Subject: Your Social Security benefit statement (SSA-1099)

```text
Hi [Client name],

Since you already receive Social Security, I would like a copy of your SSA-1099 for last year, the benefit statement mailed every January. If your spouse receives benefits too, please include theirs.

If the paper copy is gone, you can download a replacement from your my Social Security account at ssa.gov, under replacement documents.

Could you send it by [date]? If you have trouble signing in, let me know and we can look at it together during our next call.

Thank you,
[Your name]
```

## Ask once. DokuTrak does the chasing.

- Your client uploads from one link, with no account and no password.
- Reminders go out on a schedule, by default 2, 5, 10 and 14 days after the request, until the file arrives.
- With AI review switched on in your workspace (it is off by default), each upload gets a first pass that flags a file that is not an SSA-1099 or an unreadable or blurry scan. It says so when it is not sure.
- You accept every file or mark it for re-upload, and your client gets the note by email. The AI never accepts a file.

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