HI,
Everything fisherdude said is basically right. I'd like to elaborate a little. Yes, the only sure way to know about stylus wear is with a stylus microscope. I'm a big advocate of the stylus microscope for the serious vinyl lover. I wrote the DIY Stylus Microsscope sticky above.
However, I have learned that not everybody is serious enough to invest in a microscope. So, without a stylus microscope you basically have two not very good options. You should keep track of the hours on your stylus, at least approximately. Almost everybody underestimates the number of hours on their stylus. Long experience, with a microscope, has shown me that a stylus will last about 1000 hours before the first signs of wear show up. At that point the stylus should be replaced to avoid record damage.
Next, you can tell by ear. A worn stylus has a sonic signature. You will first hear the wear in the left channel on loud passages and with high frequencies. This is pretty reliable. It sounds a lot like inner groove distortion which, in fact, it is. The biggest trouble is you don't know for sure if it is wear or tone arm set up causing the distortion. The only way to know for sure is with a microscope.
But if your cartridge has been working well and you then start hearing distortion, and you have not made any tone arm adjustments, and you know that the stylus is clean, and it happens on more than one record that have been performing well in the past, you should suspect stylus wear.
Seven years is long time if you have been using it regularly.
Sparky