---
kind: "section"
citation: "20 C.F.R. § 404.132"
title: "20"
number: "404.132"
heading: "How we determine fully insured status for a period of disability or disability insurance benefits."
url: "https://uscodex.org/cfr/20/404.132"
---

# §404.132. How we determine fully insured status for a period of disability or disability insurance benefits.


In determining if you are fully insured for purposes of paragraph [(b)](/cfr/20/404.130.md?p=b), [(c)](/cfr/20/404.130.md?p=c), [(d)](/cfr/20/404.130.md?p=d), or [(e)](/cfr/20/404.130.md?p=e) of § 404.130 on disability insured status, we use the fully insured status requirements in [§ 404.110](/cfr/20/404.110.md), but apply the following rules in determining when the period of elapsed years ends:

- (a) If you are a woman, or a man born after January 1, 1913, the period of elapsed years in [§ 404.110(b)](/cfr/20/404.110.md?p=b) used in determining the number of quarters of coverage (QCs) you need to be fully insured ends as of the earlier of—
  - (1) The year you become age 62; or
  - (2) **The year in which—**
    - (i) Your period of disability begins;
    - (ii) Your waiting period begins (see [§ 404.315(d)](/cfr/20/404.315.md?p=d)); or
    - (iii) **You become entitled to disability insurance benefits (if you do not have to serve a waiting period).**
- (b) If you are a man born before January 2, 1913, the period of elapsed years in [§ 404.110(b)](/cfr/20/404.110.md?p=b) used in determining the number of QCs you need to be fully insured ends as of the earlier of—
  - (1) The year 1975; or
  - (2) **The year specified in paragraph (a)(2) of this section.**

## Notes

### Amendments

[45 FR 25384, Apr. 15, 1980, as amended at 49 FR 28547, July 13, 1984]

### 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.

### Amendments

[45 FR 25384, Apr. 15, 1980, as amended at 49 FR 28547, July 13, 1984]