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How do these credits work, and how is it possible for me to not have enough when I have worked for years and paid taxes the whole time? A: Credits that go towards qualifying you for benefits from Social Security are earned by working and paying your Social Security taxes. The Social Security service bases the number of credits a person receives on the amount of money they earn and the amount of time they have worked. The necessary income level for receiving social security benefits credits rises a bit each year; as of 2008, you receive one credit for every $1,050 you earn. You can receive a maximum of four credits annually (which is why credits are also called 'quarters'), and any credits you earn will remain on your record even during periods in which you're not working. A certain number of credits or quarters are required in order to qualify you to receive social security benefits.