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Insured Status Requirements

Excerpted from "Social Security Handbook". See the up-to-date, official Social Security Handbook at


200. Insured Status Requirements

200.1 Why is insured status important?

You must be insured under the Social Security program before retirement, survivors, or disability insurance benefits can be paid to you or your family.

200.2 Are Social Security credits used to determine insured status?

We consider the number of Social Security credits you earned to determine if you have:

  1. Fully insured status;

  2. Currently insured status; or

  3. Insured status for establishing a period of disability.

You earn Social Security credits (previously called quarters of coverage) for a certain amount of work covered under Social Security. (See §§211-215.)

Note: Under Section 211 of the Social Security Protection Act of 2004 ("SSPA," or Public Law 108-203), certain alien workers must meet additional requirements to be fully or currently insured and to establish entitlement to benefits based on the alien's earnings. (See §201.)

Last Revised: Aug. 1, 2006



There are 12 Comments

I have an ID number that SS gave me to be able to check on the status of my disability claim. Where do I use this?

I turned 66 in Sept. 2011. I am still full time employed. Am I eligible to receive benefits without penalties now?

I will be 66 in May, 2012, when do I file for social security and get the full amount ?

I reach full retirement on 12/25/2013 (age 66). If I retire from teaching
and receive a pension of approximately $1100.00 how will that effect my SS benefit when I become full retirement age for Social Security?

And, if I continue teaching past age 66, how is that effecting my SS benefit.

Regarding your pension, if you didn't pay Social Security taxes as a teacher, your Social Security benefit may be reduced. See the following link :

Regarding the "earnings limit", please see the following links :

My son wants to take on line classes. He was getting serviors benefits before can he still get this if he goes back to school online.


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