Question: How long does a person need to work to become eligible for retirement benefits?
Answer: We base Social Security benefits on work credits. Anyone born in 1929 or later needs 40 Social Security credits to be eligible for retirement benefits. You can earn up to four credits a year, so you will need to work at least 10 years to become eligible for retirement benefits. Learn more by reading the publication How You Earn Credits at www.socialsecurity. gov/ pubs/10072.html.
Question: Will my son be eligible to receive benefits on his retired father’s record while going to college?
Answer: No. At one time, Social Security did pay benefits to eligible college students. But the law changed in 1981. We now pay benefits only to students taking courses at grade 12 or below. Normally, benefits stop when children reach age 18 unless they are disabled. However, if children are still full-time students at a secondary (or elementary) school at age 18, benefits generally can continue until they graduate or until two months after they reach age 19, whichever is first. If your child is still going to be in school at age 19, you’ll want to visit www.socialsecurity. gov/schools.