Many people assume that if they haven’t worked long enough, they won’t qualify for Social Security benefits. Typically, you need at least 40 work credits—about 10 years of work—to receive Social Security retirement benefits. But what if you don’t have enough? Don’t worry—there are still ways to get Social Security payments legally and fairly.
Here are four options you might qualify for:
1. Spousal Benefits – Get Paid Through Your Partner’s Work Record
If you’re married to someone who qualifies for Social Security, you may be able to collect spousal benefits based on their work history. Even if you’ve never worked a day in your life, you could still receive up to 50% of your spouse’s full benefit amount.
To qualify, you must:
- Be at least 62 years old
- Have a spouse who is already receiving benefits
- Claim the spousal benefit instead of your own (if yours is lower)
However, if you file for these benefits before full retirement age, you’ll receive a reduced amount.
2. Survivor Benefits – Your Late Spouse’s Work Credits Can Help You
If your spouse has passed away, you may qualify for survivor benefits based on their work record. These benefits can be as high as 100% of what your spouse was receiving, depending on your age when you claim.
Here’s what you need to know:
- You can start collecting at age 60 (or 50 if you’re disabled).
- If you remarry before age 60, you may lose eligibility.
- If you care for a child under 16, you might qualify even sooner.
If your spouse worked long enough, you don’t need any work credits of your own to claim this benefit.
3. Divorced Spouse Benefits – Yes, You Can Get Social Security From Your Ex!
Even if you’re divorced, you might still be able to claim benefits based on your ex-spouse’s work record—without affecting their payments.
To qualify:
- Your marriage must have lasted at least 10 years.
- You must be unmarried at the time of your claim.
- You must be at least 62 years old.
Your ex does not have to be currently collecting Social Security for you to claim, but they must be eligible for benefits. And don’t worry—claiming on their record won’t reduce their payments or impact their current spouse.
4. Supplemental Security Income (SSI) – A Lifeline for Low-Income Seniors
If you don’t qualify for Social Security benefits, you might be eligible for Supplemental Security Income (SSI). This program helps people 65 and older (or disabled) who have little or no income.
Unlike Social Security, SSI doesn’t require work credits—you just have to meet the income and resource limits. Even if you never worked, you could still qualify for monthly payments.
Final Thoughts – Check Your Eligibility!
If you don’t have enough work credits, don’t assume you’re out of luck! Whether through a spouse, an ex, or government assistance, you might still qualify for Social Security benefits.
The best way to find out? Contact the Social Security Administration (SSA) or check your eligibility online at SSA.gov.
