In 2025, not every American will be able to receive Social Security retirement benefits. Those who wish to file for benefits next year must be at least 62 years old.

However, even though they are the appropriate age, 62-year-olds do not always qualify. The primary reason many Americans do not qualify for Social Security at age 62 is that they have not paid enough taxes to the Administration.

Requirements to get Social Security payments at 62 in 2025

The Social Security Administration (SSA) will verify that you have completed at least 40 labor credits. That means you’ve been working for at least ten years because you can only receive four work credits per year.

To receive one work credit in 2024, you must have at least $1,730 in covered earnings. This implies that you pay payroll taxes to the Social Security Administration while working.

Keep in mind that certain jobs are not covered by Social Security. As a result, if you never paid taxes and that was your sole source of income, you may be ineligible for retirement. However, you might have a pension.

How to know the number of Social Security credits

Some workers may be fresh to the labor market and want to examine the quantity of work credits they have earned thus far. The SSA lets you check it through your my Social Security account.

The simplest approach to find out if you qualify for Social Security at age 62 is to download a statement. This will allow you to determine whether or not you are eligible for retirement benefits, as well as the amounts that may be available depending on when you file.

For example, if you file for retirement benefit payments at age 62, you will receive a 30% discount. If you file early, you will lose a significant amount of money each year. The Statement will also indicate whether or not your family is eligible for welfare payments based on your records.

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