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You may still qualify for Social Security without earning the required 40 credits. - nasdaq.com
To qualify for retirement benefits on your own Social Security record, you must earn at least 40 credits. On average, it only takes 10 years to earn enough credits. You can earn up to four credits each year. In 2025, you needed to earn $1,810 per quarter or $7.420. In 2026, you need to earn $1,890 per quarter or $7,560. You can earn your four credits for the year all in one month if your earnings are high enough.
If you do not earn your 40 credits, there may still be benefits, other than retirement benefits, available to you. Social Security provides more than just retirement benefits. It provides benefits to children, spouses, and individuals who become disabled, even if they become disabled before earning 40 credits.
John Csiszar for GOBankingRates has written an article about how to earn your credits and other benefits that may be available to you. The one benefit he doesn’t include is the spousal benefit, which is available to spouses and ex-spouses (if they meet the other requirements), even if you have never worked. To read the full article, click here…
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If you have questions about Social Security, please contact an accredited Social Security advisor at the AMAC Foundation. You may email your questions to ssadvisor@amacfoundation.org or call (888)750-2622.