退休规划Retirement
社安金：问得最多的六个问题Social Security: The Six Big Questions
几岁领、领多少、没交满十年怎么办。When to claim, how much, and what if you’re short on credits.
一、几岁能领？
最早62岁可提前领（金额打折）；满额退休年龄为67岁（1960年后出生）；延后到70岁，每年还能多领。
二、能领多少？
按你收入最高的35年计算，不满35年的年份按零计入——工作年限直接影响数额。
三、什么资格才能领？
一般需要40个credits，约等于10年的工作缴纳。
四、没交满十年怎么办？
部分国家与美国有社保协定可以合并年限；中国大陆目前没有——这正是第一代移民更需要自己规划退休的原因。
五、配偶没工作能领吗？
符合条件时，配偶最高可领在职方满额福利的50%。
六、以后会不会领不到？
信托基金确有压力。社会安全署受托人 2025 年度报告的测算是：养老与遗属信托基金（OASI）的储备预计在 2033 年耗尽，若在此之前未经改革，届时的持续收入约可支付预定给付的 77%。
这不等于"领不到"，但足以说明一件事：社安金应该是你退休收入的一部分，而不是全部。数字以社会安全署当年度报告为准。
1. When Can I Claim?
As early as 62 (reduced); full retirement age is 67 for those born 1960 or later; delaying to 70 increases the benefit each year.
2. How Much?
Based on your highest 35 earning years; missing years count as zero — so your work history directly shapes the number.
3. Who Qualifies?
Generally 40 credits — roughly ten years of covered work.
4. What If I’m Short?
Some countries have totalization agreements with the U.S.; mainland China currently does not — which is exactly why first-generation immigrants must build their own retirement plan.
5. Spousal Benefits?
A qualifying spouse can receive up to 50% of the worker’s full benefit.
6. Will It Still Be There?
The trust fund is under pressure. The Social Security Trustees' 2025 report projects that the Old-Age and Survivors Insurance (OASI) trust fund reserves will be depleted in 2033; absent reform, continuing income would then cover about 77% of scheduled benefits.
That is not "nothing," but it makes one thing clear: Social Security should be one component of your retirement income, not all of it. Refer to the Trustees' report for the current year's figures.
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