In 2025, not all Americans will be able to get Social Security retirement benefits at age 62. While many might expect to start receiving payments at 62, there are rules and requirements to meet before qualifying.
These rules ensure that only people who have worked and paid into the Social Security system for enough time can get the benefits.
In this article, we will explain the requirements for getting Social Security at 62, how to check if you’re eligible, and what to consider when planning for retirement.
Requirements to Get Social Security Benefits at 62 in 2025
To qualify for Social Security retirement benefits at age 62, you must meet certain requirements.
The Social Security Administration (SSA) checks if you have earned at least 40 work credits. You can earn up to four credits each year, which means you need to have worked for at least 10 years to qualify.
In 2024, to earn one work credit, you need to make at least $1,730 in covered earnings. This means you must pay Social Security payroll taxes while you work. However, keep in mind that some jobs are not covered by Social Security.
If your job was not covered by Social Security and you never paid these taxes, you may not qualify for Social Security benefits.
How to Check Your Social Security Credits
If you’re unsure about how many Social Security credits you have, there’s an easy way to check. You can visit your “my Social Security” account to see your work credits.
By downloading your Social Security Statement, you can learn if you qualify for benefits, how much you might receive, and when you can start claiming them.
For example, if you decide to start receiving Social Security benefits at age 62, you will get 30% less each year than if you wait until a later age, like 66 or 67. Your statement will also show if your family members could receive benefits based on your earnings.
Getting Social Security benefits at 62 in 2025 requires meeting certain work and tax requirements. You need at least 40 work credits, which means 10 years of working and paying Social Security taxes.
If you’re unsure about your eligibility, checking your Social Security Statement is a great way to find out. While applying at 62 gives you early access, it also reduces your benefits. Understanding these details helps you make the best decision for your future.
What is the minimum age to start receiving Social Security benefits?
You can apply for Social Security benefits at age 62, but you may not receive the full amount if you start at that age.
How many work credits do I need to qualify for Social Security?
You need 40 work credits, which typically means working for 10 years and paying Social Security taxes.
Can I qualify for Social Security if I never paid taxes?
No, if your job was not covered by Social Security and you did not pay taxes, you may not qualify for benefits.
How can I check my Social Security work credits?
You can check your work credits by visiting your “my Social Security” account or downloading your Social Security Statement.
Will I get less money if I start Social Security at 62?
Yes, if you apply for Social Security at 62, you will receive 30% less than if you wait until your full retirement age.
