he Social Security Administration (SSA) makes it easy for American workers to check their work credits and earnings history through their my Social Security account. This essential tool provides important details about your progress toward Social Security benefits.
Setting Up a my Social Security Account
To access your information, you’ll need to create a my Social Security account if you don’t already have one. For those who have an account, simply log in using your credentials. Here’s what you’ll need to create an account:
- Your Social Security Number (SSN)
- Your date of birth
- Other personal information for identity verification
Once your account is created, keep your login details secure to ensure future access.
Accessing Your Social Security Statement
After logging into your my Social Security account, you can view and download your Social Security Statement. This document provides a detailed summary of:
- Your earnings history
- The number of work credits you’ve accumulated
Your Statement is vital for verifying your eligibility for retirement benefits and ensuring your earnings record is accurate. Report any errors to the SSA immediately to avoid future complications.
Also Read – 5 Key Social Security Changes for 2025: What You Need to Know
Work Credits Needed for Benefits
To qualify for Social Security retirement benefits, you’ll need at least 40 work credits by the time you reach age 62. Generally, this equates to about 10 years of work.
For individuals with a qualifying disability, fewer work credits may be required to access Social Security Disability Insurance (SSDI) benefits. For example, a 30-year-old worker needs only about 2 years of work (or 8 work credits) to qualify.
How Work Credits Are Earned
Workers can earn up to 4 work credits per year, the maximum allowed by Social Security. In 2025, earning 4 credits requires $1,810 in covered earnings. This is an increase from $1,730 in 2024, reflecting the latest Cost-of-Living Adjustment (COLA) announced on October 10, 2024.
Importance of Checking Your Statement
Your earnings record directly impacts your eligibility and benefit amount. Regularly reviewing your Statement ensures accuracy and helps you track your progress toward retirement or disability benefits. If you spot any errors, report them to the SSA promptly.
By staying informed and proactive, you can secure your Social Security benefits and plan effectively for the future.
