Social Security is changing all the time, though many don't realize it. Average benefits climb month after month, and a new year brings new rules that affect workers and seniors alike. We're just a few short weeks away from 2024, when five major changes will go into effect. Here's what you need to know about them.

You must earn at least 40 work credits in order to claim Social Security retirement benefits. A credit is defined as $1,640 in earnings in 2023, and you can earn a maximum of four credits per year. But in 2024, the definition of a credit will climb to $1,730.

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Source Fool.com