Those not currently receiving Social Security benefits or who don't have an online Social Security account receive retirement statements three months prior to every fifth birthday, starting with the 25th and ending with the 60th, according to the Social Security Administration. Statements are printed in English unless requested in Spanish.
The statements are personalized according to age, according to the Social Security Administration. There are three different statements: one tailored for early career workers aged 25 to 34, one for middle career workers aged 35 to 54, and one for workers aged 55 and over who are nearing retirement. Samples of each statement are available on the Social Security Administration's website.