Social Security shake-up this fall — here’s how your monthly check could change

Social Security changes are coming this fall — and they could reshape your retirement plans. The Social Security Administration (SSA) has outlined several updates for 2025 and 2026 that will affect millions of Americans receiving or planning for benefits. To qualify for retirement benefits, workers need 40 Social Security credits. In 2025, one credit equals $1,810 in earnings, up from $1,730 in 2024. That threshold is expected to increase again in 2026 — meaning part-time workers may have to work longer to qualify for benefits.