Quarters of Coverage
Quarters of Coverage are the work credits Social Security uses to decide if you have worked enough to qualify for SSDI or retirement benefits. You can earn up to 4 per year.
Also known as
Related terms
- Date Last Insured
The last date a person met the Social Security work credit requirements to be insured for SSDI benefits. Your disability must have begun on or before this date to qualify for SSDI.
- Social Security Disability Insurance
A federal insurance program that provides monthly income to workers who become disabled and can no longer engage in substantial gainful activity, funded through payroll taxes (FICA).
- Work Credits (Social Security)
Units of credit earned through taxable employment or self-employment, used to determine eligibility for Social Security retirement, disability (SSDI), and survivor benefits.
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Frequently asked questions about Quarters of Coverage
What is Quarters of Coverage?+
Work credits earned through wages or self-employment that count toward Social Security eligibility.
Who qualifies for Quarters of Coverage?+
Anyone with reported earnings; the dollar amount per credit changes yearly.
How do I apply for Quarters of Coverage?+
Check your earnings record at ssa.gov/myaccount.
Where can I get help?+
Call BenefitKarma at (866) 201-2604 or use our free benefit screener.