2026 Social Security Work Credit Update: How Much You Need to Earn

Brett Hoppe
Published Nov 12, 2025

2026 Social Security Work Credit Update: How Much You Need to Earn

If you’re planning for retirement or disability benefits, here’s a key update from the Social Security Administration (SSA):

Starting in 2026, you’ll need $1,890 in Social Security–taxable income to earn one work credit, up from $1,810 in 2025.

To earn the maximum of four credits per year, you’ll need at least $7,560 in eligible earnings.

 

What is a Social Security Work Credit?

A work credit (or “quarter of coverage”) measures how much you’ve worked and paid into Social Security.

You typically need 40 credits, about 10 years of work, to qualify for retirement benefits. The number of credits for disability benefits depends on your age and work history.

Each year, the SSA adjusts the income threshold per credit, so it gradually increases over time.

 

Why This Matters

If you work part-time, freelance, or have seasonal income, this increase means you’ll need to earn slightly more in 2026 to secure your credits.

Falling short could delay your eligibility for benefits, so tracking your income is more important than ever.

Read: SSA Confirms 2026 Payment Calendar: When Will You Get Your Social Security Check?

 

How to Stay on Track

  • Check your work record: Use your account at SSA.gov/myaccount

  • Verify reported income: Ensure employers or self-employment income is correctly recorded

  • Track your credits: Confirm you’re accumulating the 40 credits needed for retirement

 

Things to Remember

  • One work credit in 2026 = $1,890 earned

  • Max credits per year = 4, requiring $7,560 in income

  • Part-time and self-employed workers should monitor earnings carefully

  • Regularly checking your SSA account helps avoid surprises

-

Don't miss out on general benefits information!

Subscribe for the latest updates, expert advice, and valuable tips to help you maximize your benefits and financial well-being.

Stay informed—sign up now!

Related Articles

January 2026 SSI Payment Schedule: When Will You Get Your Check?...

Supplemental Security Income (SSI) payments are usually sent on the first day of each month. But when that day lands on a weekend or federal holiday, payments are issued earlier to avoid delays. In Ja...

Social Security Payments for January 2026 Are Coming Early for Some—Here’s the Full Schedule...

Americans who rely on Social Security, SSDI, or SSI benefits will see January 2026 payments arrive on different dates than usual, thanks to federal holidays and weekend adjustm...

SSDI Recipients: When Your January 2026 Payment Arrives With 2.8% COLA...

If you receive Social Security Disability Insurance (SSDI), your January 2026 payment includes a 2.8% Cost-of-Living Adjustment (COLA) to help cover rising expenses like rent, utilities, and medical cos...

Social Security Recipients: Check for These Tax Forms After the Holidays...

For many Social Security recipients, the days after Christmas bring more than just leftover holiday treats, they also signal the arrival of important tax paperwork from the Social Security Administrat...

Social Security Recipients Could See Health Insurance Costs Rise in 2026...

For millions of Americans living on Social Security, health insurance is one of the biggest monthly expenses. A new House GOP health care bill is raising concerns that marketplace insurance premium...

Social Security for Americans Overseas: Can You Get Payments Abroad?...

If you're a U.S. citizen living or traveling abroad, you can usually keep receiving your Social Security payments. Here’s a simple guide to understanding who qualifies and how to get your be...