Have I Worked Enough Years?
Before you file for Social Security, make sure that you qualify. You’ll need 40 credits of coverage to qualify for Social Security retirement benefits. As of 2018, you get one credit of coverage for every $1,320 in earnings that you pay Social Security taxes on, up to a maximum of four per year.
Since quarters of coverage were defined differently in prior years, you can check with the Social Security Administration to determine if you have qualified for retirement benefits or what your shortfall is.
If you’re filing for disability or survivor’s benefits, you may not need 40 quarters of coverage. Check with the Social Security Administration or your tax advisor.
