• Editorial 


    San Francisco, CA

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  • Previously called "Quarters of Coverage," the Social Security Administration now uses the term Credits or Social Security Credits to define your eligibility and amount of benefits.

    As you work and pay taxes, you earn credits that count toward your eligibility for future Social Security benefits. You can earn a maximum of four credits each year. Most people need 40 credits to qualify for benefits. Younger people need fewer credits to qualify for disability or survivors benefits.

    More information about how you earn credits can be found here:

    To find out how many quarters or credits you have earned, you should contact the Social Security Administration directly. You can locate your local office on this link:

    You can also call the toll-free Social Security number 1-800-772-1213

    Thank you for visiting the NewRetirement Calculator.

  • Login to rate this answer:   Answered on 7/25/2012
**All above answers are provided as general information only. No warranty is made regarding the fitness or accuracy of the information provided in this answer. You should seek advice from a licensed CPA, attorney or CERTIFIED FINANCIAL PLANNER™ as to your unique financial situation.