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You can check your own septic tank, but take precautions. Locate the access lid, usually buried a few inches underground, and remove it carefully. Look for the sludge and scum levels, and if they’re high, that means pumping may be necessary. Check for odors, slow drains, or pooling water around the drain field, which could indicate issues. Never enter the tank, as toxic gases can be fatal. All of that being said, a professional inspection is safer and more thorough.

Age is certainly a factor in well pump failure. The older your pump, the more likely it is to fail. 

Beyond age, other factors can cause your well pump to fail, too. Things like poor water quality can cause sediment buildup in your pump. Without proper cleaning, your pump can seize up and fail. Having a dry well for too long can also cause your pump to fail, as it keeps working even though there's no water for it to pull. 

A gurgling toilet usually doesn’t mean that your septic tank is full. If waste can’t drain into a full septic tank, you’ll see water and sewage backing up into your fixtures, but the air that causes gurgling is a result of poor venting. You are more likely to have a clog in your vent stack or a damaged air admittance valve.

Septic drain lines (or leach lines) are typically buried between 18 and 36 inches underground, and should be at least 6 inches below the surface. These pipes are perforated and surrounded by filtering materials like sand or gravel. Burying the lines at this depth helps minimize odors and allows bacteria and other biological processes in the soil to effectively treat the wastewater. Burying lines too close to the surface can cause issues unless the soil is very compact and stable.