In 2025, not all Americans will be able to get Social Security retirement benefits. People must be at least 62 years old to apply for benefits next year.

However, 62-year-olds don’t always qualify even though they are the right age. The main reason many people don’t get Social Security at age 62 is that they haven’t paid enough taxes to the government.

Requirements to get Social Security payments at 62 in 2025

The Social Security Administration (SSA) will check to see if you have at least 40 work credits. You can only get 4 work credits a year, so you must have worked for at least 10 years.

To give you an idea, in 2024 you need to have at least $1,730 in covered earnings to get one work credit. That means you pay SSA payroll taxes while you work.

Keep in mind that Social Security does not cover all jobs. So, if you never paid taxes and that was the only job you ever had, you might not be able to get retirement benefits. That being said, you might have a pension.

How to know the number of Social Security credits

There are people who are new to the job market who might want to see how many work credits they have earned so far. You can use your “my Social Security” account to check with the SSA.

Downloading a Statement is the best way to find out if you are eligible for Social Security at age 62. This way, you can find out if you can get retirement benefits and how much you might get based on when you file.

For example, if you wait until age 62 to start getting retirement benefits, you will get 30% less. In other words, if you file early, you will lose a lot of money every year. The Statement will also tell you if your family could get benefits based on your record.

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