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Social Security retirement eligibility changing in 2026 will higher work credit requirements affect your benefits and how can lower-income and part-time workers prepare

Social Security retirement eligibility rules are changing in 2026. Workers must earn 40 work credits to qualify. In 2025, one credit required $1,810 in earnings. In 2026, it rises to $1,890, or $7,560 for four credits. Lower-income and part-time workers may now fall short. Without enough credits, you cannot claim benefits. Spousal benefits can cover up to 50% of a partners Social Security if marriage lasts 10 years. Planning early, tracking credits, and maximizing claims can boost retirement income by thousands. Dont risk leaving Social Security money on the table.