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CRS-2 3 In 2005, one credit is earned for every $920 earned in covered employment, up to a maximum of four credits (or $3,680) per year. This amount increases each year to account for wage growth. 4 A person is fully insured if he or she has earned at least one credit for each year between age 21 and turning 62, dying, or becoming disabled. 5 SSA does not pay survivors benefits based on same-sex marriages.