Credits are the "building blocks" we use to find out whether you have the minimum amount of covered work to qualify for each type of Social Security benefits. If you stop working before you have enough credits to qualify for benefits, your credits will stay on your record. If you return to work later on, you can add more credits so that you can qualify. No benefits can be paid if you do not have enough credits.

Do you have at least 40 credits?


You are not currently entitled to a retirement benefit, but you may become entitled with additional work. Read our publication, "How You Earn Credits," for more information.

Also, if you are not entitled to retirement benefits on your record, you may still be entitled to benefits on the record of a current or divorced spouse. For more information:


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