Q: What is the average Social Security payment that a person receives each month?

A: The average monthly Social Security benefit for a retired worker in 2023 is $1,827.00. The average monthly Social Security benefit for a worker with a disability in 2023 is $1,483.00. To get an estimate of your current and future benefits, create a my Social Security account at ssa.gov/myaccount.

Q: How do I earn Social Security credits and how many do I need to qualify for benefits?

A: We use your total yearly earnings to figure your Social Security credits. The amount needed for a credit in 2023 is $1,640. You must earn $6,560 to get the maximum four credits for the year. The amount needed to earn 1 credit usually increases each year when average wages increase.

To qualify for Social Security benefits, you must earn a certain number of credits. The number of credits you need depends on your age when you apply and the type of benefit. No one needs more than 40 credits for any Social Security benefit. You can read more about credits in How You Earn Credits at ssa.gov/pubs/EN-05-10072.pdf.

For questions, online applications or to make an appointment to visit a SSA office, call from 7am–5pm, Mon–Fri:
1-800-772-1213 (toll free) | socialsecurity.gov