#### § 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](/on/2024-09-20/title-20/section-404.110). [Paragraphs (b)](/on/2024-09-20/title-20/section-404.115#p-404.115(b)) and [(c)](/on/2024-09-20/title-20/section-404.115#p-404.115(c)) of this section tell you how to use this table.

| Worker who reaches retirement age as described in [§ 404.110(b)(2)](/on/2024-09-20/title-20/section-404.110#p-404.110(b)(2)) | | | Worker who dies before reaching retirement age as described in [§ 404.110(b)(2)](/on/2024-09-20/title-20/section-404.110#p-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)](/on/2024-09-20/title-20/section-404.110#p-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)](/on/2024-09-20/title-20/section-404.110#p-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)](/on/2024-09-20/title-20/section-404.115#p-404.115(b)) of this section.