Types of American Workers Who Aren’t Eligible to Get Social Security

 

While many Americans can get social security, there are still some workers in the country who can’t qualify for the social security benefits when they retire.

It’s important to know if you’ll be eligible for the retirement benefits to make sure you’re financially prepared to cover your expenses when you no longer work. If not, you may need to consider other ways to secure your future.

Let’s look at some common categories of American workers who may not qualify for social security.

Insufficient Social Security Credits

You can’t get social security if you haven’t worked enough! According to the SSA, you need to earn at least 40 social security credits to become eligible for the benefits.

As of 2022, you need to earn $1,510 to get one social security credit. You can’t get more than four credits in a year, which implies that you need to work for at least 10 years to earn 40 social security credits.

American Workers Who Die Before Turning 62

The minimum age to start getting your social security is 62. If someone dies before reaching this age, their dependent spouse and children may get survivor benefits.

American workers who develop a terminal illness may claim SSDI or Social Security Disability Insurance to acquire some benefits from whatever they contributed to the US’s social security system.

Divorced People

A divorced spouse can get social security based on their ex-spouse’s social security credits in the US. These are typically stay-at-home parents or homemakers. However, you can only qualify for these benefits if your marriage lasted for 10 years or more. Divorced spouses whose marriage didn’t last for 10 years can’t claim spousal benefits.

Non-Citizens

Immigrants and non-citizens who acquire enough social security credits in the US can qualify for the SSI benefits.

However, immigrants coming from one of the countries with whom the US has the social security agreement (aka totalization agreement), may qualify for prorated social security payments even if they don’t have sufficient work credits in the country. The benefit amount will be based on the combined credits they earned in their own country and the US. But they can’t even qualify for social security retirement benefits if they don’t have at least 6 social security credits in the US.

Let Lisa Douglas Help!

Looking for experienced social security lawyers in Little Rock who can help you get social security in the US? If you need legal support, contact experienced lawyers in Little Rock, Arkansas, at The Law Offices of Lisa Douglas. They can help you find out how to qualify for social security in the US avoiding legal complications and red tape. Check out their services today.

Disclaimer: This blog is only intended for educational purposes and shouldn't be used as a substitute for legal advice.

 

 

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