If you’re planning for retirement or already receiving Social Security, it’s important to stay updated on the latest changes. In 2025, the Social Security Administration (SSA) has set the earnings requirement at $7,240 to earn the maximum four work credits for the year. But what does this mean for you, and how can you ensure you qualify for your benefits? Here’s everything you need to know.
How Work Credits Impact Your Social Security Benefits
Social Security benefits are based on work credits, which you earn throughout your employment history. In 2025, you get one credit for every $1,810 in earnings. Since you can earn up to four credits per year, you’ll need to make at least $7,240 to secure the full four credits for the year.
To qualify for Social Security retirement benefits, you typically need 40 credits, which equals about 10 years of work. If you haven’t reached this milestone yet, it’s crucial to track your earnings and ensure you’re meeting the minimum requirements each year.
How to Earn the Required Amount
Reaching the $7,240 earnings requirement might be easier than you think. Let’s break it down:
- If you work a part-time job at $15 per hour, you would only need to work around 483 hours in the year—less than 40 hours per month.
- If you have a seasonal job or freelance work, make sure your total earnings reach this amount to secure your credits.
- Even self-employed individuals can qualify, but they need to ensure they report enough income and pay their Social Security taxes.
This flexibility allows workers across different industries to accumulate the necessary credits without necessarily working full-time.
2025 Social Security Payment Schedule – When Will You Get Paid?
Once you qualify, knowing when you’ll receive your payments is just as important. The SSA follows a structured payment schedule based on your birth date:
- Born on the 1st-10th → Paid on the second Wednesday of the month
- Born on the 11th-20th → Paid on the third Wednesday of the month
- Born on the 21st-31st → Paid on the fourth Wednesday of the month
For example, if your birthday is on July 18, your benefits will be deposited on the third Wednesday of each month. Mark your calendar to keep track of your payments!
Final Thoughts
If you want to maximize your Social Security benefits in 2025, make sure you earn at least $7,240 to get the full work credits for the year. Understanding how these credits work and staying informed about your payment schedule will help you plan for a financially secure retirement.
Whether you’re just starting your career or nearing retirement, these simple steps can ensure you don’t miss out on the benefits you’ve worked hard for.
