SSA logo: link to Social Security Online home204. Chart of Credits Required to Be Fully Insured

204.1 How many credits do you need if you were born on or before January 1, 1913, to be fully insured?

For people born before January 1, 1913, the number of credits needed to be fully insured is different for men and women. The following chart shows the number of credits you need if you were born before January 1, 1913.

If your date of birth is...

Then you need the following number of credits...

Men

Women

1/1/1893 or earlier

6

6

1/2/1893-1/1/1894

7

6

1/2/1894-1/1/1895

8

6

1/2/1895-1/1/1896

9

6

1/2/1896-1/1/1897

10

7

1/2/1897-1/1/1898

11

8

1/2/1898-1/1/1899

12

9

1/2/1899-1/1/1900

13

10

1/2/1900-1/1/1901

14

11

1/2/1901-1/1/1902

15

12

1/2/1902-1/1/1903

16

13

1/2/1903-1/1/1904

17

14

1/2/1904-1/1/1905

18

15

1/2/1905-1/1/1906

19

16

1/2/1906-1/1/1907

20

17

1/2/1907-1/1/1908

21

18

1/2/1908-1/1/1909

22

19

1/2/1909-1/1/1910

23

20

1/2/1910-1/1/1911

24

21

1/2/1911-1/1/1912

24

22

1/2/1912-1/1/1913

24

23

204.2 How many credits do you need if you were born on or after January 2, 1913, to be fully insured?

For people born on or after January 2, 1913, the number of credits needed to be fully insured is the same for men and women. The chart below shows the number of credits you need if you were born on or after January 2, 1913.

If your date of birth is...

The you need the following number of credits...

1/2/13-1/1/14

24

1/2/14-1/1/15

25

1/2/15-1/1/16

26

1/2/16-1/1/17

27

1/2/17-1/1/18

28

1/2/18-1/1/19

29

1/2/19-1/1/20

30

1/2/20-1/1/21

31

1/2/21-1/1/22

32

1/2/22-1/1/23

33

1/2/23-1/1/24

34

1/2/24-1/1/25

35

1/2/25-1/1/26

36

1/2/26-1/1/27

37

1/2/27-1/1/28

38

1/2/28-1/1/29

39

1/2/29 or later

40

Note: If you are a male who turned 62 before 1975, see §203.

Last Revised: Aug. 2, 2005