Who is eligible for Social Security retirement benefits?

You start down the road to eligibility by working and paying Social Security taxes, either through payroll deductions (required by the Federal Insurance Contributions Act, or FICA) or through income tax filings if you are self-employed (required by the Self-Employed Contributions Act, or SECA).

You qualify for Social Security by compiling credits when you pay Social Security taxes on your earnings. You can earn up to four credits per year. Workers qualify for Social Security retirement benefits when they reach 40 lifetime credits.

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In 2024, $1,730 in income from “covered” employment — work in which you paid Social Security taxes — equals one work credit. You can reach your four-credit maximum by earning at least $6,920 for the year. The credit amounts are adjusted annually for inflation.

You become eligible to collect Social Security retirement benefits at age 62. You can check on your eligibility, earnings history and estimated future benefits on the Social Security statement at your online My Social Security account.

Keep in mind

• While you can start collecting retirement benefits at age 62, your payments are reduced if you claim them before reaching full retirement age (FRA), which is which is 66 and 6 months for people born in 1957, 66 and 8 months for someone born in 1958, and gradually going up to 67. If you wait until FRA to file, you qualify for 100 percent of the benefit calculated from your lifetime earnings.
• You can further increase your retirement benefit by filing as late as age 70.
• Retirement benefits are just one type of Social Security benefit. There are also survivor benefits, spousal benefits and disability benefits, all of which have their own qualification criteria. To find out more about eligibility for those programs, you can use Social Security’s Benefit Eligibility Screening Tool.

Andy Markowitz is a writer and editor for AARP, covering Social Security and fraud. He is a former editor of The Prague Post and Baltimore City Paper.

Tracy Thompson is a journalist and editor who has worked for the Atlanta Journal-Constitution and the Washington Post. She is the author of three books and lives with her family in the Washington, D.C., suburbs.

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