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SSDRC Disability Blog

How do I qualify for a Social Security Retirement monthly benefit?


There are a couple of simple qualifications for Social Security retirement. An individual must have attained the age of 62 and have 40 work credits. How are work credits earned? You may receive as many as four work credits per year (i.e. per quarter) based on your gross earned income.

For example, in 2006, a work credit was earned for each quarter in which a worker had gross earnings of at least $970.00. Therefore, it would take approximately 10 years of work credits (spread over thirty-five to forty years) to make an individual eligible to receive Social Security retirement benefits.




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  • Social Security Retirement Questions







    Additional Social Security Retirement Questions


  • What if you don't qualify for Social Security Retirement?

  • Can you file a claim for Social Security Retirement online?

  • What should you take with your when you file for Social Security Retirement benefits?

  • Are you allowed to work and get Social Security Retirement?