Many people think that once they retire after years of working, their Social Security pension will automatically arrive. But it’s not that simple. The Social Security Administration (SSA) has recently reminded everyone that even one small mistake or missed step could delay or stop your payment—especially if you’re planning to retire and start collecting benefits in May 2025.
If you want to start receiving your Social Security pension next month, you must check that all requirements are met. Here’s a simple explanation of what you need to do to avoid missing your first check.
The 3 Key Requirements You Must Meet
If you’re ready to claim your retirement benefits, make sure you’ve completed these three must-haves. Even if you’ve worked for decades or are well over retirement age, missing one can block your payment.
1. Have at Least 40 Work Credits
To qualify for Social Security retirement benefits, you need a minimum of 40 work credits. This usually means you must have worked at least 10 years in a job where you paid Social Security taxes.
Each year, based on your earnings, you earn up to 4 credits. Without reaching 40 credits, you’re not eligible—no matter your age or situation.
2. Meet the Minimum Age Requirement
You can start collecting retirement benefits from age 62, but you won’t receive the full amount unless you wait until your full retirement age (FRA). This age depends on your birth year:
- Born between 1943 and 1954: Full benefits at age 66
- Born between 1955 and 1960: Full benefits between 66 and 67
- Born in 1960 or later: Full benefits at 67
You can even delay claiming until age 70, which increases your monthly payment. The longer you wait (up to 70), the more you get every month.
3. You Must Apply
This is a step many people forget: you must submit a formal application to start receiving your benefits.
Even if you have the credits and the age, the SSA won’t start sending money unless you apply. You can apply online through ssa.gov, by phone, or by visiting a local SSA office. If you’re planning to retire in May 2025, apply as soon as possible, as it can take several weeks to process.
Already Receiving Social Security? No Need to Worry
If you’re already receiving Social Security, there’s nothing to change. You will continue receiving your payment based on your birth date, just like before. But if you notice any delay or missing payment, it’s wise to log in to your SSA account and check your status.
What If You’re Not Yet Eligible?
If you’re missing any of the three key requirements, here’s what you can do:
- If you don’t have 40 credits: Keep working until you earn the required credits.
- If you’re under the minimum age: You’ll need to wait until you reach the right age.
- If you haven’t applied yet: Prepare your documents and submit your application now.
How to Check Your Work Credits and Eligibility
To find out how many work credits you have and estimate your future benefits, visit ssa.gov and create your account. You’ll be able to:
- View your work history
- See your total credits
- Estimate your retirement age
- Check how much you can expect to receive each month
Everything is online and easy to access.
Planning to Retire in May 2025? Do This Now
If you plan to start receiving your pension in May 2025, don’t delay. Submit your application and review your eligibility now. The earlier you apply, the better, because SSA processes can take several weeks. Delays could push your payment to June or later.
Social Security retirement benefits are not automatic. Even if you’ve worked your whole life, you still need to meet three basic requirements: 40 work credits, the correct retirement age, and a completed application. If you miss even one, you won’t get your payment. So, if you want to start receiving your check in May 2025, take action now. Check your SSA account, confirm your eligibility, and apply as soon as possible to secure your pension on time.
