RESOLVING THE LEDGER
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Qualifying for Social Security benefits in retirement usually requires you to earn 40 work credits in your lifetime. But if you don't have a very robust earnings record, you may not accumulate enough credits to be eligible for Social Security based on your own work history.
That doesn't mean Social Security is off the table, though. If your spouse is eligible for Social Security based on their work history, you may be eligible for spousal benefits.
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