Q. I retired from the U.S. Department of Agriculture after 30 years of service under CSRS. Before going to work for the government, I worked on odd jobs in the private sector and earned 25 credits under Social Security. I need 15 more to qualify for a Social Security benefit. My wife has more than enough Social Security credits to qualify for a benefit. Could I borrow any of those excess credits from her?
A. No, you can’t. You’ll have to earn them yourself.