As the Social Security Administration is making online statements available this month, many Americans are reluctant to enter personal information online, but this is a necessary step in financial planning, according to Allsup, a nationwide provider of Social Security disability representation and Medicare plan selection services.

"It's essential people regularly access their Social Security statements and track their benefits as part of sound financial planning," says Tricia Blazier, senior specialist for the Allsup Disability Life Planning Center.

This is especially true when it comes to Social Security disability benefits, which could be needed earlier than retirement. More than 153 million workers are covered by Social Security Disability Insurance, and 2 million workers annually have disabilities so severe that they apply for SSDI benefits.

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