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.
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Frequently asked questions about Quarters of Coverage
What is 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.
Who qualifies for Quarters of Coverage?+
Adults under full retirement age who have a qualifying medical condition expected to last 12+ months and who have earned enough recent work credits.
How do I apply for Quarters of Coverage?+
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. There's no cost to apply. Official forms and instructions: https://www.ssa.gov/oact/cola/QC.html.
Where can I get help?+
Run the SSDI Filing Success Score to check your readiness, then the SSDI Benefit Estimator to size up your monthly payment. Local Social Security field offices can also help you apply at no cost.