---
kind: "range"
citation: "20 C.F.R. §§ 404.110–404.115"
title: "20"
from: "404.110"
to: "404.115"
count: 4
url: "https://uscodex.org/cfr/20/404.110..404.115"
---

# §404.110. How we determine fully insured status.

- (a) **General.** We describe how we determine the number of quarters of coverage (QCs) you need to be fully insured in paragraphs [(b)](#b), [(c)](#c), and [(d)](#d) of this section. The table in [§ 404.115](/cfr/20/404.115.md) may be used to determine the number of QCs you need to be fully insured under [paragraph (b)](#b) of this section. We consider certain World War II veterans to have died fully insured (see [§ 404.111](/cfr/20/404.111.md)). We also consider certain employees of private nonprofit organizations to be fully insured if they meet special requirements (see [§ 404.112](/cfr/20/404.112.md)).
- (b) **How many QCs you need to be fully insured.**
  - (1) **You need at least 6 QCs but not more than 40 QCs to be fully insured.** A person who died before 1951 with at least 6 QCs is fully insured.
  - (2) You are fully insured for old-age insurance benefits if you have one QC (whenever acquired) for each calendar year elapsing after 1950 or, if later, after the year in which you became age 21, and before the year you reach retirement age, that is, before—
    - (i) The year you become age 62, if you are a woman;
    - (ii) The year you become age 62, if you are a man who becomes age 62 after 1974;
    - (iii) The year 1975, if you are a man who became age 62 in 1973 or 1974; or
    - (iv) **The year you became age 65, if you are a man who became age 62 before 1973.**
  - (3) A person who is otherwise eligible for survivor's benefits and who files an application will be entitled to benefits based on your earnings if you die fully insured. You will be fully insured if you had one QC (whenever acquired) for each calendar year elapsing after 1950 or, if later, after the year you became age 21, and before the earlier of the following years:
    - (i) The year you die; or
    - (ii) **The year you reach retirement age as shown in paragraph (b)(2) of this section.**
- (c) **How a period of disability affects the number of QCs you need.** In determining the number of elapsed years under [paragraph (b)](#b) of this section, we do not count as an elapsed year any year which is wholly or partly in a period of disability we established for you. For example, if we established a period of disability for you from December 5, 1975 through January 31, 1977, the three years, 1975, 1976 and 1977, would not be counted as elapsed years.
- (d) **How we credit QCs for fully insured status based on your total wages before 1951—**
  - (1) **General.** For purposes of [paragraph (b)](#b) of this section, we may use the following rules in crediting QCs based on your wages before 1951 instead of the rule in [§ 404.141(b)(1)](/cfr/20/404.141.md?p=b-1).
    - (i) We may consider you to have one QC for each $400 of your total wages before 1951, as defined in [paragraph (d)(2)](#d-2) of this section, if you have at least 7 elapsed years as determined under paragraph [(b)(2)](#b-2) or [(b)(3)](#b-3) of this section; and the number of QCs determined under this paragraph plus the number of QCs credited to you for periods after 1950 make you fully insured.
    - (ii) If you file an application in June 1992 or later and you are not entitled to a benefit under section 227 of the Act in the month the application is made, we may consider you to have at least one QC before 1951 if you have $400 or more total wages before 1951, as defined in [paragraph (d)(2)](#d-2) of this section, provided that the number of QCs credited to you under this paragraph plus the number of QCs credited to you for periods after 1950 make you fully insured.
  - (2) **What are total wages before 1951.** For purposes of [paragraph (d)(1)](#d-1) of this section, your total wages before 1951 include—
    - (i) Remuneration credited to you before 1951 on the records of the Secretary;
    - (ii) Wages considered paid to you before 1951 under section 217 of the Act (relating to benefits in case of veterans);
    - (iii) Compensation under the Railroad Retirement Act of 1937 before 1951 that can be credited to you under title II of the Social Security Act; and
    - (iv) Wages considered paid to you before 1951 under section 231 of the Act (relating to benefits in case of certain persons interned in the United States during World War II).
- (e) **When your fully insured status begins.** You are fully insured as of the first day of the calendar quarter in which you acquire the last needed QC (see [§ 404.145](/cfr/20/404.145.md)).

# §404.111. When we consider a person fully insured based on World War II active military or naval service.


We consider that a person, who was not otherwise fully insured, died fully insured if—

- (a) The person was in the active military or naval service of the United States during World War II;
- (b) The person died within three years after separation from service and before July 27, 1954; and
- (c) The conditions in [§ 404.1350](/cfr/20/404.1350.md) that permit us to consider the person fully insured are met.
- (d) The provisions of this section do not apply to persons filing applications after May 31, 1992, unless a survivor is entitled to benefits under section 202 of the Act based on the primary insurance amount of the fully insured person for the month preceding the month in which the application is made.

# §404.112. When we consider certain employees of private nonprofit organizations to be fully insured.


If you are age 55 or over on January 1, 1984, and are on that date an employee of an organization described in [§ 404.1025(a)](/cfr/20/404.1025.md?p=a) which does not have in effect a waiver certificate under section 3121(k) of the Code on that date and whose employees are mandatorily covered as a result of [section 102](/cfr/20/102.md) of Pub. L. 98-21, we consider you to be fully insured if you meet the following requirements:


# §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](/cfr/20/404.110.md). Paragraphs [(b)](#b) and [(c)](#c) of this section tell you how to use this table.
- (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)](/cfr/20/404.110.md?p=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)](/cfr/20/404.110.md?p=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)](#b) of this section.