In order to be eligible for Social Security Retirement, Disability and Survivors Benefits, there must be a minimum number of credits reported. Credits are based on earned income reported by your employer (W2) or you if you are self-employed. It’s important to check you earnings record once a year to make sure Social Security is getting the correct information. You can check your record at www.socialsecurity.gov/myaccount/. You can correct your record, but not after three years, three months and 15 days from the end of the taxable year in which wages were paid. I have seen huge gaps in reported earnings of my clients. So check your earnings record to insure that you get the benefits you deserve.