How many credits does social security require for eligibility?

To be eligible for Social Security benefits, an individual must accumulate a total of 40 credits over their working lifetime. These credits are earned through paid employment and the amount of income the worker has made that is subject to Social Security taxes. As of 2023, one credit is earned for a certain amount of income earned, and individuals can earn a maximum of four credits per year.

Reaching the threshold of 40 credits typically requires around ten years of work, which establishes the eligibility for retirement benefits, disability benefits, and survivor benefits for family members. This requirement ensures that beneficiaries have a sufficient work history to justify their claims for benefits, reflecting the pay-as-you-go nature of the Social Security system.