In the tapestry of American life, Social Security has been a vital thread, providing financial stability for millions as they step into their retirement years. Yet, a surprising number of our seasoned citizens—approximately 2.6 million individuals aged 60 and above—are missing out on these benefits.

Let's unravel the mystery of why some are not receiving Social Security and how they can claim what's rightfully theirs.

The Unseen Gap in Social Security Coverage​

Social Security is often seen as a universal safety net, but the reality is that it has its gaps.

According to the Social Security Administration (SSA), about 3.3% of Americans in the 60-plus age bracket are classified as “never beneficiaries.”

This term refers to individuals who do not receive SSA retirement benefits, and it's a status that can arise from various circumstances.

Qualifying for Social Security: The Basics​

To be eligible for Social Security benefits, there are some non-negotiable criteria:

• A minimum of 10 years of work contributing to Social Security taxes is required.
• During this period, you must accumulate at least 40 credits, with the opportunity to earn up to 4 credits per year.

Understanding these prerequisites is the first step in ensuring you're not left out in the cold when it's time to retire.

Staying on Track for Benefits​

To keep your retirement plans on a steady course, it's crucial to:

• Regularly review your Social Security Statement to confirm your earnings record and credit count.
• Consult with a financial advisor to address any potential eligibility gaps.
• Explore additional savings avenues to bolster your retirement funds.

In 2025, for instance, you'll need to earn $1,810 to secure one credit, and you can collect up to four credits within the year.

Remember, your Social Security benefit amount hinges on your 35 highest-earning years. Years with no income will count as zeros, diminishing your benefit amount.

Who Might Miss Out on Social Security?​

The “never beneficiary” group is diverse, but certain demographics are more prone to falling into this category:

• Late-Arriving Immigrants: Nearly half of never beneficiaries are older immigrants who haven't earned enough credits.

• Infrequent Workers: Those who've taken extended breaks from the workforce, often for caregiving, may struggle to meet the credit requirement.

• Jobs Outside the Social Security System: Some employment sectors, like certain state and local government roles or the railroad industry, offer alternative pension plans instead of Social Security.

Eligibility and Timing: When Can You Claim?​

Social Security benefits can't be claimed until reaching at least 62 years of age.

For the full benefit amount, you must wait until your full retirement age, which is between 66 and 67, depending on when you were born.

What If You Pass Away Before Claiming?​

If death occurs before claiming Social Security, the individual won't receive personal benefits, but there are provisions for survivors:

• Social Security Disability Insurance (SSDI) may be available for those with terminal illnesses.
• Survivors' benefits can provide financial support for spouses and dependent children.

Living Abroad: A Complication for Some​

For U.S. citizens residing in certain countries, receiving Social Security benefits can be problematic.

While many can receive their checks abroad, exceptions include countries like North Korea and Cuba, where payments are restricted.

Securing Your Social Security Benefit​

If you're short on credits, consider working longer to qualify. For those unable to work due to disability, other benefits like Supplemental Security Income (SSI) may be available.

Divorced individuals may be eligible for spousal benefits if the marriage lasted at least 10 years and they haven't remarried. This doesn't affect the ex-spouse's benefits.

Immigrants from countries with totalization agreements with the U.S. can combine credits from both nations to qualify for benefits, provided they have at least six U.S. credits.

Ensuring Your Eligibility​

If you're concerned about your eligibility due to infrequent work or recent immigration, take these steps:

• Check your eligibility on the SSA website.
• Use the SSA Retirement Estimator to plan and calculate potential benefits.

Taking these proactive measures can help secure your financial future in retirement. Remember, Social Security is more than just a program; it's a promise of support in your later years. Don't let that promise go unclaimed.

If you're among the 2.6 million seniors potentially missing out, it's time to investigate and take action. Your golden years should be secure and comfortable, and ensuring you receive the Social Security benefits you deserve is a critical part of that equation.
Have you or someone you know faced challenges in claiming Social Security benefits? Do you have tips for navigating the system or stories of success in securing what's yours? Share your experiences and advice in the comments below.