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Social Security: Credits Necessary
 

Work as a member of the uniformed service of the U.S. is covered by Social Security beginning January 1, 1957, if performed while on active duty or active duty for training. This work is not covered by Social Security during any period when you are on leave without pay, or if the work is creditable under the Railroad Retirement Act.

Your work as a member of the Armed Forces reserve, while on inactive duty training (such as weekend drills), is covered beginning January 1, 1988. This work is not covered by Social Security during any period when you are on leave without pay, or if the work is creditable under the Railroad Retirement Act.

Before 1957, the service of a member of the Armed Forces of the U.S. was not covered by Social Security. However, you may be given military service "wage credits" for Social Security purposes based on this service.

The number of Social Security credits you earn determine if you have:
   A. Fully insured status;
   B. Currently insured status; or
   C. Insured status for establishing a period of disability.

For people born on or after January 2, 1913, the number of credits needed to be fully insured is the same for men and women. The chart below shows the number of credits you need if you were born on or after January 2, 1913.

Date of Birth
Credits Needed
1/2/13 - 1/1/14
24
1/2/14-1/1/15
25
1/2/15-1/1/16
26
1/2/16-1/1/17
27
1/2/17-1/1/18
28
1/2/18-1/1/19
29
1/2/19-1/1/20
30
1/2/20-1/1/21
31
1/2/21-1/1/22
32
1/2/22-1/1/23
33
1/2/23-1/1/24
34
1/2/24-1/1/25
35
1/2/25-1/1/26
36
1/2/26-1/1/27
37
1/2/27-1/1/28
38
1/2/28-1/1/29
39
1/2/29 or later
40



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