7 Americans Who Cannot Get Social Security Benefits
Social Security Sep 25, 2022
Who doesn’t get Social Security benefits? American workers who don’t qualify for retirement benefits are relatively rare.
Almost every American allows for Social Security, from retirees, married couples, and children to the disabled count to receiving social security benefits monthly.
For those who do not get Social Security, it’s important to know so they can find other income sources or determine eligibility. The eight most common groups lack Social Security eligibility and aren’t entitled to benefits.
How Much Work Do You Need to Do to Get Social Security Benefits?
Normally, work is measured in credits. Depending on your annual earnings, you can earn up to 4 credits yearly. You are not eligible for social benefits on retirement or blindness if you have not earned an average of 1 work credit every year between the ages of 21 and 62.
You are not eligible for social security benefits based on your disability if you had not gotten 20 credits in the last 10 years before the year you became disabled. Family members that are qualified to benefit from your social security do not need to have work credits.
As a spouse, you are not eligible for social security on the retirement or disability of your spouse unless you are at least 62 years or below 62 years but have a child below 16 years or are disabled before attaining 22 years.
Do Some People Not Have Social Security?
Social security goes beyond merely a retirement plan and into a source of protection such as life insurance and disability insurance. However, three percent of people between 60 and 89 do not receive social security benefits.
They are commonly referred to as never-beneficiaries. Those who receive social security may also be faced with some circumstances that suspend or terminate their social security. Most of the never-beneficiaries are women, immigrants, those who have never married, and the less educated.
Who Qualify for Social Security?
Unfortunately, not everyone is eligible for social security in the United States of America. Some of the people who do not qualify for social security include:
1. Workers Who Have Few Social Security Credits
People who have not attained the 40 work credits are not eligible for Social security. For every $1,510 in income, you earn one credit. You can only make 4 credits yearly, meaning you must work for at least 10 years.
To confirm your number of credits, open a social security number on the social security website and download your statement. You will not be eligible for social security if you have not attained 40 work credits.
2. Some Divorced Spouses
If you divorced your partner before 10 years of marriage, you don’t qualify to get Social Security benefits. As a divorced person, you are eligible to earn from the social security of an ex-spouse if you are 62 years old, single, and had not been married for at least 10 years before the divorce. Those who often benefit are the stay-at-home spouses that did not get to work.
3. Non-Covered Workers
If you work in a job that receives a public pension and does not pay into social security, you will not be able to receive social security. If you are a teacher or a government worker, you will likely not have any social security benefits. You will receive pension benefits from your employers.
If you are a railroad employee with at least 10 years of service in the railroad industry, you are not eligible for social security. Railroad employees with less than 10 years of service in the railroad industry receive their retirement benefits through their social security benefits, making them eligible for social security.
Having a criminal record will not prevent you to get social security benefits. However, you are not eligible for social security if you have been convicted of intentional homicide.
You are also not eligible for social security if you are incarcerated or have been confined for 30 days. You will be eligible to receive your social security a month after your release.
5. Workers Who Retire to Certain Foreign Countries
People who are U.S. citizens and have lived in foreign countries for most of their retirement can receive Social Security benefits from the United States government.
However, if you live in these countries: Azerbaijan, Belarus, Cuba; Kazakhstan, Kyrgyzstan; Moldova, North Korea; Tajikistan, Turkmenistan, or Uzbekistan, then they won’t receive Social Security from the government.
The Social Security Administration’s Payments Abroad Screening Tool is an effective way to determine if you will continue receiving benefits while living abroad or if restrictions apply. However, exceptions may exist in the countries listed above – except Cuba and North Korea.
6. Self-Employed Tax Evaders
Self-employed workers cover their social security. The social security tax is calculated and paid annually when self-employed workers file their federal tax returns. Workers that do not file their tax returns do not pay their social security taxes. You are not eligible to get social security benefits if there is no record of you paying into the social security system. If you have evaded paying taxes for a lifetime, you cannot then claim social security.
7. Certain Immigrants Above the Age of 65
If you are a retired person who has migrated to the United States, you will not be eligible for social security because you will not have the required 40 work credits. You can rectify this issue by earning six work credits in the United States and receiving prorated benefits from the United States and your former country through a totalization agreement. If you are an older immigrant who does not qualify for social security in the United States, you can receive benefits from your former country.
Conclusion On Who Cannot Get Social Security Benefits
In the United States, most retirees receive Social Security benefits when they stop working, assuming they’ve reached retirement age.
But those who have spent little time in the U.S. workforce, either by staying at home or working abroad, may not qualify for Social Security benefits under their names.
Some could still qualify for spousal benefits if their spouse qualifies for payments. Some government workers are also not eligible for benefits. Fortunately, there is a way for some people who do not currently qualify to find a way around it.
Acquire more information on who cannot get social security.
Besides understanding one who cannot get social security benefits, get to know:
- 5 Significant Things To Consider Before You Retire in 2022-23
- Why Is Social Security Important?
- When Is Retirement Age For Social Security (the United States law)?
- What are Social Security Benefits – The United States 2022?