20 C.F.R. § 404.130

How we determine disability insured status

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(a) General. We have four different rules for determining if you are insured for purposes of establishing a period of disability or becoming entitled to disability insurance benefits. To have disability insured status, you must meet one of these rules and you must be fully insured (see § 404.132 which tells when the period ends for determining the number of quarters of coverage (QCs) you need to be fully insured).

(b) Rule I—You must meet the 20/40 requirement. You are insured in a quarter for purposes of establishing a period of disability or becoming entitled to disability insurance benefits if in that quarter—

(1) You are fully insured; and

(2) You have at least 20 QCs in the 40-quarter period (see paragraph (f) of this section) ending with that quarter.

(c) Rule II—You become disabled before age 31. You are insured in a quarter for purposes of establishing a period of disability or becoming entitled to disability insurance benefits if in that quarter—

(1) You have not become (or would not become) age 31;

(2) You are fully insured; and

(3) You have QCs in at least one-half of the quarters during the period ending with that quarter and beginning with the quarter after the quarter you became age 21; however—

(i) If the number of quarters during this period is an odd number, we reduce the number by one; and

(ii) If the period has less than 12 quarters, you must have at least 6 QCs in the 12-quarter period ending with that quarter.

(d) Rule III—You had a period of disability before age 31. You are insured in a quarter for purposes of establishing a period of disability or becoming entitled to disability insurance benefits if in that quarter—

(1) You are disabled again at age 31 or later after having had a prior period of disability established which began before age 31 and for which you were only insured under paragraph (c) of this section; and

(2) You are fully insured and have QCs in at least one-half the calendar quarters in the period beginning with the quarter after the quarter you became age 21 and through the quarter in which the later period of disability begins, up to a maximum of 20 QCs out of 40 calendar quarters; however—

(i) If the number of quarters during this period is an odd number, we reduce the number by one;

(ii) If the period has less than 12 quarters, you must have at least 6 QCs in the 12-quarter period ending with that quarter; and

(iii) No monthly benefits may be paid or increased under Rule III before May 1983.

(e) Rule IV—You are statutorily blind. You are insured in a quarter for purposes of establishing a period of disability or becoming entitled to disability insurance benefits if in that quarter—

(1) You are disabled by blindness as defined in § 404.1581; and

(2) You are fully insured.

(f) How we determine the 40-quarter or other period. In determining the 40-quarter period or other period in paragraph (b), (c), or (d) of this section, we do not count any quarter all or part of which is in a prior period of disability established for you, unless the quarter is the first or last quarter of this period and the quarter is a QC. However, we will count all the quarters in the prior period of disability established for you if by doing so you would be entitled to benefits or the amount of the benefit would be larger.

[49 FR 28547, July 13, 1984, as amended at 55 FR 7313, Mar. 1, 1990]

Notes of Decisions

Cited in 398 cases (249 in the last 5 years), 1983–2026 · leading case: Chic Zoch v. Andrew Saul

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Chic Zoch v. Andrew Saul (2020) ca7 “See 20 C.F.R. § 404.130 ; 42 U.S.C. §§ 413 , 423.”

Wanda S. FLATEN, Plaintiff-Appellant, v. SECRETARY OF HEALTH & HUMAN SERVICES, Defendant-Appellee (1995) ca9 · cites it 2× “20 C.F.R. § 404.130 (b). 1 In order to receive disability *1460 benefits, a person must apply for a period of disability.”

Grogan v. Barnhart (2005) ca10 “20 C.F.R. § 404.130 . An ALJ is required to follow a five-step sequential evaluation process to determine whether a claimant is disabled.”

Nicolo ARNONE, Plaintiff-Appellant, v. Otis R. BOWEN, Secretary of Health and Human Services, Defendant-Appellee (1989) ca2 · cites it 2× “130-404.133 (1988). “Quarters of coverage” include quarters in which the applicant earned certain amounts of wages or self-employment income.”

Mauro v. Berryhill (2017) nysd · cites it 2× “20 C.F.R. § 404.130 . The ALJ’s conclusion that Ms.”

William E. Butts v. Jo Anne B. Barnhart, Commissioner of Social Security (2005) ca2 “See 20 C.F.R. §§ 404.130 (b), 404.132(a). In that case, updated medical and other evidence will be necessary on remand, and the 60-day time limit for proceedings before the ALJ is too short.”

Evelyn Grace DAWKINS, Plaintiff-Appellant, v. Otis R. BOWEN, Secretary of the Department of Health and Human Services, D (1988) ca11 · cites it 2× “The regulations provide that to have disability insured status, a claimant (1) must be fully insured and (2) must satisfy the requirements of one of the four rules in 20 C.F.R. § 404.130 . See 20 C.F.R. § 404.”

Barbara L. BRAINARD, Plaintiff-Appellant, v. SECRETARY OF HEALTH AND HUMAN SERVICES, Defendant-Appellee (1989) ca6 “§ 423 (c)(l)(B)(ii) (1982); 20 C.F.R. § 404.130 (c) (1988). Thus, since the period in Brainard’s case represents thirty-eight quarters, the AU concluded that Brainard would need nineteen quarters of coverage in order to be currently insured.”

Mike Winn v. Commissioner, Social Security (2018) ca8 “" See 20 C.F.R. §§ 404.130 , 404.131, 404.315(a).”

Rousey v. Comm'r of Soc. Sec. (2018) ilsd “§§ 416 (i), 423(a) ; 20 C.F.R. §§ 404.130 , 404.315 ; McKinstry v.”

McDonaugh v. Astrue (2009) nysd “§§ 423 (a)(1)(A), 423(c)(1); see also 20 C.F.R. §§ 404.130 , 404.315(a). Thus, in order to qualify for disability benefits, a claimant must establish that she became disabled on or before the expiration of her insured status.”

Frederick v. Berryhill (2017) moed “See 20 C.F.R. 404.130. To be entitled to SSI under Title XVI, he must show that he was disabled while his application was pending.”

Show all 398 citing cases →

— 20 C.F.R. § 404.130(a) — 1 case

Pond v. Commissioner of Social Security (2023) flmd

— 20 C.F.R. § 404.130(e) — 2 cases

Lucretia M. ADAMS, Plaintiff-Appellant, v. Otis R. BOWEN, Secretary of Health and Human Services, Defendant-Appellee (1989) ca9

Wood v. Chater (1997) flmd

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