Grok Half of America is watching this: the US SSA demands it, more than $1,800
The latest from Social Security is of great interest to millions of Americans: don't miss it, it's important
In 2025, the Social Security Administration (SSA) of the United States has issued an important notice: to earn 1 Social Security credit, you need to earn at least $1,810. This change affects millions of workers in America who seek to be eligible for Social Security benefits.
A credit is a unit earned by working and paying Social Security taxes. In 2025, for every $1,810 you earn, you get 1 credit. You can accumulate up to 4 credits per year, which means that with $7,240 annually, you reach the maximum possible credits in a year.
How many credits do you need to be eligible? US Social Security is clear
The number of credits required depends on your age and the type of benefit you apply for. For retirement benefits, you generally need 40 credits, equivalent to 10 years of work. However, for disability or survivor benefits, the amount varies.
If you are under 24 years old, you can be eligible with 6 credits earned in the 3 years prior to the start of your disability. Between 24 and 31 years old, you need credits equivalent to half the time elapsed from age 21 until your disability began.
Starting at age 31, you generally need at least 20 credits in the 10 years prior to the start of the disability. The SSA annually adjusts the amount needed to earn a credit, based on the national average wage index. This increase reflects the rise in average wages and ensures that Social Security benefits keep up with the economy.
How to check your credits?
You can check how many credits you have accumulated by creating an account on the official SSA website (ssa.gov/myaccount). There you will find your earnings history and the credits earned to date.
This notice from the SSA for 2025 highlights the importance of being informed about the requirements to earn Social Security credits. Earning at least $1,810 grants you 1 credit, and accumulating enough credits is essential to be eligible for benefits.
The number of credits needed depends on your age and the type of benefit you apply for. Stay informed about these changes and regularly check your history to ensure your eligibility.
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