Completion of work credits to 40.

I'm 65 yo and stopped working 9 years ago, per my current SS statement, I need 4 more work credits to complete the required 40 work credits in order for me get some benefits, like monthly pension, medicare, etc..

My question is, can I file self employment tax and pretend I earned income like $8K last year, I'm willing to pay any taxes I will owe just to complete the 40 work credits.

Thank you.

2104

Level 10

Mar 12, 2025 4:27:43 PM

Not unless you're actually self-employed at some meaningful work. No pretending allowed. Couldn't you get some part-time job to get your 40 credits, Like maybe at Wal-Mart or Costco or something.

Expert Alumni

Mar 12, 2025 4:38:18 PM

You can't report self-employment income unless you're actually self employed.

For 2025, you will get one credit for each $1,810 in income - so you'll need $7,240 total income for the year. You can earn this with part-time or temporary work, or actual self-employment activity.

This may not be the answer you were hoping for, but I want to make sure you avoid potential issues with an audit down the road.

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Completion of work credits to 40.