Table for determining the quarters of coverage you need to be fully insured.

  1. Law
  2. CFR 20
  3. Employees' Benefits
  4. Social Security Administration
  5. Federal Old-Age, Survivors and Disability Insurance (1950- )
  6. Insured Status and Quarters of Coverage
  7. Fully Insured Status
  8. Table for determining the quarters of coverage you need to be fully insured.

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§ 404.115 Table for determining the quarters of coverage you need to be fully insured.

(a) General. You may use the following table to determine the number of quarters of coverage (QCs) you need to be fully insured under § 404.110. Paragraphs (b) and (c) of this section tell you how to use this table.

Expand Table
Worker who reaches retirement age as described in § 404.110(b)(2) Worker who dies before reaching retirement age as described in § 404.110(b)(2)
Col. I - Date of birth Col. II1 Col. III2 - Year of death Col. IV3 Col. V4 - Age in year of death
Men Women
Jan. 1, 1893 or earlier 6 6 5 1957 6 6 28
Jan. 2, 1893 to Jan. 1, 1894 7 6 1958 7 29
Jan. 2, 1894 to Jan. 1, 1895 8 6 1959 8 30
Jan. 2, 1895 to Jan. 1, 1896 9 6 1960 9 31
Jan. 2, 1896 to Jan. 1, 1897 10 7 1961 10 32
Jan. 2, 1897 to Jan. 1, 1898 11 8 1962 11 33
Jan. 2, 1898 to Jan. 1, 1899 12 9 1963 12 34
Jan. 2, 1899 to Jan. 1, 1900 13 10 1964 13 35
Jan. 2, 1900 to Jan. 1, 1901 14 11 1965 14 36
Jan. 2, 1901 to Jan. 1, 1902 15 12 1966 15 37
Jan. 2, 1902 to Jan. 1, 1903 16 13 1967 16 38
Jan. 2, 1903 to Jan. 1, 1904 17 14 1968 17 39
Jan. 2, 1904 to Jan. 1, 1905 18 15 1969 18 40
Jan. 2, 1905 to Jan. 1, 1906 19 16 1970 19 41
Jan. 2, 1906 to Jan. 1, 1907 20 17 1971 20 42
Jan. 2, 1907 to Jan. 1, 1908 21 18 1972 21 43
Jan. 2, 1908 to Jan. 1, 1909 22 19 1973 22 44
Jan. 2, 1909 to Jan. 1, 1910 23 20 1974 23 45
Jan. 2, 1910 to Jan. 1, 1911 24 21 1975 24 46
Jan. 2, 1911 to Jan. 1, 1912 24 22 1976 25 47
Jan. 2, 1912 to Jan. 1, 1913 24 23 1977 26 48
Jan. 2, 1913 to Jan. 1, 1914 24 24 1978 27 49
Jan. 2, 1914 to Jan. 1, 1915 25 25 1979 28 50
Jan. 2, 1915 to Jan. 1, 1916 26 26 1980 29 51
Jan. 2, 1916 to Jan. 1, 1917 27 27 1981 30 52
Jan. 2, 1917 to Jan. 1, 1918 28 28 1982 31 53
Jan. 2, 1918 to Jan. 1, 1919 29 29 1983 32 54
Jan. 2, 1919 to Jan. 1, 1920 30 30 1984 33 55
Jan. 2, 1920 to Jan. 1, 1921 31 31 1985 34 56
Jan. 2, 1921 to Jan. 1, 1922 32 32 1986 35 57
Jan. 2, 1922 to Jan. 1, 1923 33 33 1987 36 58
Jan. 2, 1923 to Jan. 1, 1924 34 34 1988 37 59
Jan. 2, 1924 to Jan. 1, 1925 35 35 1989 38 60
Jan. 2, 1925 to Jan. 1, 1926 36 36 1990 39 61
Jan. 2, 1926 to Jan. 1, 1927 37 37 7 1991 40 62
Jan. 2, 1927 to Jan. 1, 1928 38 38
Jan. 2, 1928 to Jan. 1, 1929 39 39
Jan. 2, 1929 or later 40

1 Number of QCs required for fully insured status; living worker or worker who dies after reaching retirement age.

2 Worker born before Jan. 2, 1930 who dies before reaching retirement age.

3 Number of QCs required for fully insured status.

4 Worker born Jan. 2, 1930 or later, who dies before reaching retirement age.

5 Or earlier.

6 Or younger.

7 Or later.

(b) Number of QCs you need. The QCs you need for fully insured status are in column II opposite your date of birth in column I. If a worker dies before reaching retirement age as described in § 404.110(b)(2), the QCs needed for fully insured status are shown in column IV opposite -

(1) The year of death in column III, if the worker was born before January 2, 1930; or

(2) The age in the year of death in column V, if the worker was born after January 1, 1930.

(c) How a period of disability affects the number of QCs you need. If you had a period of disability established for you, it affects the number of QCs you need to be fully insured (see § 404.110(c)). For each year which is wholly or partly in a period of disability, subtract one QC from the number of QCs shown in the appropriate line and column of the table as explained in paragraph (b) of this section.


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