---
kind: "section"
citation: "20 C.F.R. § 404.115"
title: "20"
number: "404.115"
heading: "Table for determining the quarters of coverage you need to be fully insured."
url: "https://uscodex.org/cfr/20/404.115"
---

# §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.

## Notes

### Authority

Authority: Secs. 205(a), 212, 213, 214, 216, 217, 223, and 702(a)(5) of the Social Security Act (42 U.S.C. 405(a), 412, 413, 414, 416, 417, 423, and 902(a)(5)).

### Source

Source: 45 FR 25384, Apr. 15, 1980, unless otherwise noted.