How many credits must an individual earn to qualify for retirement benefits?

To qualify for retirement benefits under the Social Security system in the United States, an individual must earn a total of 40 credits. This framework ensures that the benefits are accessible to those who have had a substantial work history contributing to Social Security.

Credits are earned through working and paying Social Security taxes, and the amount required to earn one credit can change yearly based on the average wage index. Typically, individuals can earn a maximum of four credits each year, meaning that earning 40 credits usually requires a minimum of 10 years of work.

This credit system is designed to provide a buffer, ensuring that only those who have contributed a significant amount to the Social Security system can receive retirement benefits, thereby sustaining the program's integrity and financial stability for future recipients.