20 CFR §404.132

Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov ↗

In determining if you are fully insured for purposes of paragraph (b), (c), (d), or (e) of § 404.130 on disability insured status, we use the fully insured status requirements in § 404.110, 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) used in determining the number of quarters of coverage (QCs) you need to be fully insured ends as of the earlier of—
1. (1)The year you become age 62; or
2. (2)The year in which—
  1. (i)Your period of disability begins;
  2. (ii)Your waiting period begins (see § 404.315(d)); or
  3. (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) used in determining the number of QCs you need to be fully insured ends as of the earlier of—
1. (1)The year 1975; or
2. (2)The year specified in paragraph (a)(2) of this section.