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We use your total yearly earnings to figure your Social Security credits. The amount needed for a credit in 2021 is $1,470. You can earn a maximum of four credits for any year. The amount needed to earn one credit increases automatically each year when average wages increase.

You must earn a certain number of credits to qualify for Social Security benefits. The number of credits you need depends on your age when you apply and the type of benefit you are applying for. No one needs more than 40 credits for any Social Security benefit.

More Information

How You Earn Credits

Retirement Benefits: Social Security Credits

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