Social Security retirement benefits may be available to working adults over 65. You must be at least 62 years old to receive retirement checks or direct deposits. The first thing you should consider is this. Additionally, not all employment pay taxes to the government, and you must have worked.

This implies that you would not be eligible to receive Social Security retirement benefits, even if you worked for 40 years. People who have spent their entire lives living and working overseas frequently experience this. Sometimes you can get your money from the federal, state, or local government. Then, you will be subject to separate SSA regulations.

Have you earned at least 40 work or Social Security credits?

If you have 40 work credits and are at least 62 years old, you are eligible to apply for retirement benefits. Ten years of labor is equivalent to forty work credits. Depending on your annual income, it may occasionally be higher.

To view the number of credits you have earned thus far, simply sign into your Social Security account. You can use it to obtain your statement.

In this manner, you can determine whether you can get income and retire at age 62. Additionally, it will provide the maximum amounts that are feasible at various ages. Keep in mind that your Social Security benefit would be lower if you begin receiving it at age 62.

Social Security retirement benefit payments in December

You must wait for the SSA to approve your application for retirement benefits. You may get your payment on December 3, 11, 18, or 24 of each month. For example, you can only receive a payment on December 3 if you are also receiving Supplemental Security Income, even if you just applied.

The following dates must be met by anyone applying for Social Security on December 11, 18, or 24:

• December 11: born from 1-10
• December 18: born 11-20
• December 24: born 21-31

Your past earnings and employment history will determine how much you get paid. Payments in December 2024 will average at $1,927. January 2025 will see the issuance of the 2.5% 2025 COLA hike.

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