20 C.F.R. § 404.115
Table for determining the quarters of coverage you need to be fully insured.
Cite as 20 C.F.R. § 404.115 (2026)
(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.
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. II
1
Col. III
2
—Year of death
Col. IV
3
Col. V
4
—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.
- Cross-references to the CFR
- 404.110404.110.