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Work Credit Questions

What are Social Security Work Credits?

Work credits are credits that a person receives during the person’s history of working. Each pay period that an individual earns money and then pays taxes to the Social Security system; are considered credits from work that is then received within a later time period. The Work Credits are needed for a person to be given benefits such as the Social Security Disability Benefits, Social Security Retirement and Medicare Benefits.

How can a person that is retired receive Work Credit from an old job?

First, a person would have to go online to the Social Security website www.ssa.gov. Once a person has accessed this page; there is a link that can help located earnings that have been recorded. The person will be able to view the history of money that has been earned from jobs that the person has had. It will also be how much that person can receive based on the work credits from the Social Security Association. The records will show which years the person has gained Work Credits when the person has worked for the job that they have retired from and also the Word Credits will show funds that were not paid towards the Social Security Association.

Can a person be eligible to receive Social Security after working for the government?

In order for a person to qualify to receive Retirement Benefits from the Social Security Association; the person has to have 40 Work Credits or an equal of ten years of work history that shows the person has paid into the Social Security taxes. The person can call the local Social Security Officials or go online at www.ssa.gov to help receive more information. In order for a person to receive Social Security Disability, the person had to pay into the Social Security Association five of the last ten years.

How can a person that was denied for Social Security Disability file again, that person missed the qualification period by 1 month?

If the person doesn’t have enough work credits; then the person will not be able to receive Social Security Disability Benefits. The person will still be able to able to receive Social Security Income. In order to file for the Social Security Disability Benefits; there must be enough evidence showing that the person is disabled. The person must go to the Social Security Office along with the doctors to file for Social Security Income. The doctors must provide medical information to the Social Security Office.

If a person that works for a railroad company who is 64 years old and has also paid into the Social Security Association; is the person eligible to receive Social Security benefits?

If the person works for a railroad company, the Social Security Benefits are handled through the Railroad Retirement Board. The Railroad Retirement Board is affiliated with the Social Security System. If the person is 64 years old, the person has not reached the regular or full retirement age. The person has passed the "early" retirement age and if the person has earned work credits; they may be eligible for these types of benefits. If the person continues to work and wants to start receiving the benefits now, the person’s monthly benefit will be reduced. If the person ends up making more than about $42K; there will be no benefits awarded. The longer the person holds out before receiving Social Security Benefits, the more money the person will receive for the rest of the person’s life. Each year that the person waits to receives benefits up to the age of 70; the Social Security Benefits will increase by 8%.

There are benefits out there that people may receive from working long hard hours. Work Credits are established from paying taxes into the Social Security over a period of time that certain individuals work inside their respected companies. Experts are here to help answer questions relating Social Security Work Credit and how to gain the proper benefits that people deserve.
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