What If I Don’t Have 40 Credits Before Claiming Social Security?
Written by
John Csiszar
Edited by
Ashleigh Ray
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Although millions of Americans receive Social Security benefits, qualification isn’t automatic. If you want to claim retirement benefits, not only will you have to be at least 62 years of age, but you’ll also have to earn 40 quarters of coverage or credits.
You can only earn these credits by working and paying taxes into the Social Security system. But how can you earn these credits, and what happens if you don’t net the full 40? Read on to learn more.
Give Yourself Credit: What Are Quarters of Coverage?
Social Security is funded primarily by taxes paid by part-time and full-time workers. To qualify for your own benefits, you’ll have to work and contribute your own taxes. The SSA measures your contribution via quarters of coverage, and you need 40 quarters to qualify for retirement benefits.
In 2025, you’ll earn one quarter of coverage for each $1,810 that you earn, with a maximum of four credits achievable per calendar year.
Does It Take 10 Years of Work To Get 40 Credits?
As you can only earn four quarters of coverage per year, you will have to wait at least 10 years before you earn your 40-credit minimum. However, this doesn’t necessarily mean you have to work 10 straight years to earn those credits, or even that you have to work four quarters of every year.
Quarters of coverage are granted strictly on income, so as soon as you earn $7,240 in 2025, you’ll already earn your maximum four quarters of coverage for the year. This is true whether you earned that amount over months, weeks or even days.
What Benefits Am I Entitled To If I Don’t Earn 40 Credits?
If you don’t earn 40 quarters of coverage, you, unfortunately, won’t qualify for Social Security retirement benefits. Even if you fall just one quarter short, the SSA will not pay you retirement benefits, which is why it’s important to keep track of your earnings record by creating and monitoring an online mySocialSecurity account at ssa.gov.
Although you won’t earn retirement benefits, you may be able to earn disability benefits with fewer than 40 quarters of coverage. The amount needed to qualify increases with age. For example, if you’re under age 24, you’ll only need six credits in the three years prior to the onset of your disability. But if you’re 31 or older, you must generally have earned at least 20 credits in the 10-year period immediately before your disability.
Note that if you are a surviving spouse or child, you could also qualify for survivors’ benefits even if the decedent had not yet earned their full 40 quarters of coverage, depending on their age.
Caitlyn Moorhead contributed to the reporting for this article.
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