你的理解似乎是正確的。

當然這些收入需要交payroll tax或者self employment tax才能算分。

https://www.ssa.gov/benefits/retirement/planner/credits.html

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.

The amount of earnings it takes to earn a credit may change each year. In 2022, you earn one Social Security or Medicare credit for every $1,510 in covered earnings each year. You must earn $6,040 to get the maximum four credits for the year.

積分基於您當年的總工資和自雇收入。 您可能全年工作以獲得四個學分，或者您可能在更短的時間內獲得足夠的四個學分。

賺取信用所需的收入金額可能每年都在變化。 在 2022 年，您每年每獲得 1,510 美元的承保收入，即可獲得一份社會保障或醫療保險抵免額。 您必須賺取 $6,040 才能獲得當年最多四個學分。

所有跟帖： 

• 另外，若和配偶離婚了的話，這個social security的領取會有變化嗎？ -lovecd- ♂ (122 bytes) () 05/06/2022 postreply 08:30:46

• 領一份 -hz82000- ♀ (0 bytes) () 05/06/2022 postreply 08:43:43

• 隻能領一份，哪份多拿哪份。 -檸檬椰子汁- ♂ (272 bytes) () 05/06/2022 postreply 09:15:15