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Some Retirees Won’t Get Great Social Security Benefits- Here’s 7 Reasons Why

June 22, 2022 · Updated February 8, 2026 · Personal Finance
social security
Image By Ascannio From Shutterstock

5. Some people that are non-citizens

Some non-citizens who earned 40 Social Security work credits in America will receive SSI benefits. Still, there might be a solution: you can earn six work credits available in the United States territory. This will help you get the benefits for your retirement. And it can be combined with redistributed benefits from their former home country.

Those who have retired and wish to immigrate to the United States won’t have those 40 work credits that they need to qualify for Social Security benefits.

But on the other hand, immigrants who don’t have enough credits but moved from one of the countries that can receive Social Security benefits can actually qualify for the system as well.

TIP: If you have a disability other than blindness, you may be eligible for Social Security benefits. But in certain conditions, And the most important one is that you’ve worked long enough under their rules. Usually, you need 20 work credits to receive the payment.

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10 comments on “Some Retirees Won’t Get Great Social Security Benefits- Here’s 7 Reasons Why”

  1. richard lugenbeel says:
    August 17, 2023 at 1:42 pm

    my sister started working for NSA right after she got out of high school in 1964 until she retired in the late1990’s can she apply for social security she is 76 years old

    Reply
  2. Karen imparato says:
    January 25, 2023 at 9:35 pm

    Interesting story! I had such a great time reading this.

    Reply
  3. Emmanuel Brantley says:
    January 25, 2023 at 8:11 pm

    If my wife don’t have enough credits can she use some of mine to bring her up to the amount
    she need?

    Reply
  4. Donald Swanson says:
    January 25, 2023 at 2:53 pm

    Losing social security is a risk for all Americans. we reached budget limit. Yellen announced accounting trick to delay default until June. Yesterday she announced not reinvesting in govt retirement bonds. no plan on repayment, so this eliminates another year of social security. Medicare payments being delayed. Tell yellen and congress don’t use my social security to pay your bills. Cut military expenses. Stop developing new weapons that US can use to start more wars.

    Reply
  5. Phyllis Brooks says:
    November 4, 2022 at 4:01 pm

    Agree with Tamia. I get a federaal retirement. My husband retired from the Navy after 43 years after which he worked in the private sector for over 20 yrs. I can not get anything from Social Security based on his history.

    Reply
  6. Tamia says:
    October 2, 2022 at 7:04 pm

    Don’t forget the people who earned their 40 credits, but also worked under a state retirement plan. I get my state retirement, but no social security. Not even using my husband’s social security amount.

    Reply
  7. Kenneth Wolkon says:
    September 24, 2022 at 8:43 pm

    You neglect to mention those affected by the GPO and WEP issues that reduce or, in some cases, remove the Social Security benefits that should be paid.

    Reply
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