Social Security Eligibility Update 2026: Stricter Work Credit Rules and How They Hit Workers
With retirement horizons shifting amid economic uncertainties and longer lifespans, the Social Security Administration (SSA) is implementing a subtle yet impactful adjustment that could redefine how Americans qualify for benefits. Effective January 1, 2026, Social Security retirement eligibility will evolve with higher work credit rules, raising the earnings threshold to $1,890 per credit—up $80 from $1,810 in 2025—meaning workers must hit $7,560 annually to max out their four credits. This change, tied to national wage growth, ensures the program’s fairness …