there are special rules
we can pay benefits to your children and your spouse caring for your children , even if your record does n't have the number of credits needed. They can get benefits if you have credits for one and one - half year 's work 6 credits in the three years before your death .
How Credits Are Earned
Credits are based on your total wages and self - employment income for the year . You might work all year to earn four credits , or you might earn enough for all four in much less time