How to Collect Social Security if You Didn't Earn Enough Credits 

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I guess I don’t understand what it was that I was paying for 29 years so far in my life and what my parents paid their whole lives…cuz they’re paying for Medicare and receiving around $800-$900/ month each social security retirement…it’s costing them over $200 each per month for Medicare and it covers very little…and worked my whole life up until I became ill and received ssi which was only $580/month that I supported 2 kids with…we lived in squaller and the “welfare” myth is bs at least in rural areas…if u r in ssi, u do not get benefits for food etc but the kids do…I just wonder what the hell I was paying in to all those years…I worked 4 part time jobs at one point to be able to pay my bills cuz no one hires full time to keep from having to offer benefits etc….idk…confusing as all hell

Thank you so much for posting this video. I was wondering if you can help me with this: I used to live in the US but now I live in canada. I was married in Texas and my husband passed away in 1993. He was 60 years old and he had enough credits for Medicare and SS even though he was not collecting them at the time he died. I was only 31 at that time and so I was not eligible to collect his SS. I received a small death benefit. Now I am 61. Can I collect his SS? Would his SS credits pass on to me? I only have 29 credits and I’m considering returning to live in the US. Thank you so much!

I've been sick my whole life. I'm 63. I qualified for SSI 20 years ago. My spouse because disabled and got his social security a year later. My benefits stopped. I have many autoimmune diseases, 6 hear conditions and two lung conditions. 36 credits with social security and still can't get help. It's ridiculous! Great video. Blessings

I love all the fools that though it was cute to not pay taxes most of their lives. Then at 62 they all say what happened? No S.S. 👎

I was denied SS because I only had 24 qtrs, can I request the money back that was paid in over the years. Also I was married to my spouse for over 10 years and still denied.

Medicare is not free to anyone. There is a premium regardless.

Suppose u have an illness and physically could not work steady

What’s the quickest way to determine how many quarters you’ve worked? I’ve been self-employed most my life, but I’ve held random jobs. And I was in the military for six years.

Thank you so much for your videos. I am sharing with my friends.

How do I find out when I have to sign up for Medicare ?

Thank you for this video..I never knew this I only worked one job my whole life and im 40. So if i get a job for 10 years by 65 or 75 im good for social security benefits.

Love your glasses and style!😊

I am living in Germany for the last 15 years and went through a divorce. I am not allowed to come back because of the kids. I want to come home one day and I am freaking out about SS benefits and medicare. Any advice for people that have lived and worked abroad?!? I am 41 now.. any advice to prepare myself?

is there any way to appeal to show you actually worked 40 quarters if you believe you did?

I was married for 14 years to my first husband and almost 5 to my husband now. Would I get to draw off my first husband?

I love your videos thank you

Did you work for SSA recently? I was reading on Motley Fool it is not about earning in quarters, but in credits. So, for example, $1640/credit in 2023 and one can earn up to four credits a year. "Back in the day" it was about a minimum earning per quarter, I believe prior 1978. Regardless, I am in the learning process regarding these different kinds of credits. Wish me luck.

Social security retirement benefits and Medicare are insurance programs that you have to pay for. If you don’t pay, you don’t get the benefits no matter what age you are. Can you imagine walking into a car dealership when you get your drivers license and saying “I’m old enough to drive now I need a car so give me one?” 😂😂😂. So your 65 or 67 and you need money. Yeah, so? If you barely worked your whole life and you didn’t pay for the program, you don’t get anything. And SSI isn’t social security, it’s federal welfare. Workers are taxed and have their incomes redistributed into the general tax revenues to pay SSI to the indigent. It’s not a luxury product and won’t support anyone comfortably. Social security retirement reflects the work of the recipient-if you worked a lot and earned a lot, you get a big monthly check. If you worked a little and were a low earner, you get a little check. Why the surprise? And Social Security was not designed for retirees to live on : you have 5 decades of adult life to work and build a portfolio of stocks, bonds, mutual funds and real estate. Spouse’s double these investments for each other. If you didn’t support yourself before your 60’s, don’t think Social Security will after you turn 60.

I worked outside of the U.S. I now live in North Carolina. What do I need to do to collect a SS check?

What about people who don't have enough work credits but aren't married. Wouldn't they qualify for Medicaid/said to help pay for Medicare?

I have an unbelievable sad story my wife missed out an about 10 years of AUXCIC benefits this is where someone collecting ssdi has a child this is receiving benefits and if the mother stays home from work to take care of that child she is also entitled to benefits the same amount as the child 50% unfortunately no one told us this and my family miss out on about 10 years of benefits very sad situation i wonder if a body knows if it's possible to recoup any of those lost missed out on benefits because of a social security administration never explain this to us

Or children may be eligible on the record of their parents. I do not fully understand how that would work but I know it happens.

Do they offer any kind of extra help if you did not work the full 40 quarters?

My wife and I (both 62), are married > 10 years. She has 37 quarters. It seems like there is no reason for her to pick up those last 3 quarters because her full benefit amount would be well less than half of my benefit. Is this correct thinking or are we missing something?

I am disabled. I get 600 a month from ssi. I am 65 next month and they say I have to pay 495 a month for part A. To collect from my ex I have to wait 2 years

I wonder how many people who never worked only to find out when they got old that they weren't getting a dime? Ouchie! Also if you only work 10 years you would qualify for Social Security but it would at most be a few hundred dollars a month. It wouldn't be much. You have to work at least 35 years to get anything substantial.

Hi,I held consistent employment from 1993 until 2014 where i incurred a permanent shoulder injury on the job.l never filed for social security because i didn't know how to go about it also at the time i lived off my workers comp settlement while doing ride share jobs such as uber and Lyft.I was involved in a car accident last year and had surgery in March of this year.l am unable to work and i reached out to ssi lawyers for assistance and they both told me since i haven't worked technically in 10 yrs i am ineligible for disability benefits. Do i have any other options?

I'm turning 65 soon and didn't worked enough to qualify for medicare. I was married more than ten years, now divorced. My ex spouse works but isn't 65. Can I get medicare off his record being he isn't 65?

Thank you I needed these info ❤🙏❤

2:52 My sister has been declared handicapped such that federal student loans were forgiven. She was teaching at a school but can no longer do so because of health. SSDI told her that she cannot collect as she was 4 quarters short when her health reach a prohibitive point. Is there anything that she can do about this? I know she should be able to collect spousal SS when her husband retires, but he's 50 now and She's 58. This means she would have to wait 15 years to start collecting as a spouse at which time she will be 73 or 74 years of age.

Very informative! Thanks!

I think that if you didn't pay into it, you shouldn't be able to draw from it!

Well I accumulate 38 points.. 2 short of 40. I became disable and get SSI but I can’t get my Sadi and I’m 57

❤

Can't you collect on your spouse's work history?

Hello. So what if I worked and put money into social security for 29 years and then started working for my school district. When I retire, is there a penalty for not reaching 35 years?

Sylvia, I LOVE that top!!!

I can't wait for January. Looks like I'm going to get another $210.00 per month. Maybe the same the next year?? More play money.

Hi! I was married for 15 years , how does social security calculate my social security since I will be getting half of his ? Is it the total income he made since he retired or the years (date)I was married to him ?

Thank you for the Valuable info you bring us Gord. Mkt. !

Nope i sorry masa im 13 ammendment born