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Never Paid Into Social Security? Here's How to Get Benefits Anyway.

Don't assume you won't get any retirement income from the program.

Never Paid Into Social Security? Here's How to Get Benefits Anyway.

Published August 28, 2026 · Category: Finance

Overview

One of the biggest myths about Social Security is that everyone is entitled to benefits once they reach a certain age. In reality, Social Security benefits are earned by paying taxes on wages.

Specifically, it takes 40 lifetime work credits to qualify for Social Security, and the value of a single credit changes each year. If you don't work for more than a few years, or you don't work at all and therefore don't end up paying into Social Security, you may not be eligible for benefits once you reach retirement age.

Image source: Getty Images.

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Source

Originally published at www.fool.com.

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