The United States Social Security Administration provides retirement benefits to many American households, but to be eligible, certain work credit requirements must be met. These work credits are earned through a specific amount of time worked each year, with a maximum of 4 credits achievable per year. To receive a retirement check from the Social Security Administration, a minimum of 40 credits, equivalent to 10 years of work, is required. However, exceptions may apply in some cases.
It’s possible to apply for a benefit with the minimum required credits, but the resulting payment may be too small for a comfortable living. To receive a significant check, it’s advisable to wait until more work credits are accumulated. In 2024, the maximum payment is $4,873, which requires a minimum of 35 years of work. The exact amount received depends on an individual’s work history. For clarification on individual cases, it’s recommended to contact the Social Security Administration.
