Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under the Social Security disability program, a worker is generally considered fully insured when they have earned at least:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A worker is fully insured for Social Security purposes by earning 40 credits (roughly 10 years of work). Being fully insured qualifies the worker for retirement benefits and, along with recency-of-work rules, for disability coverage. A younger worker under 24 can be currently insured for disability with just 6 credits earned in the 3 years before the disability began.
Why the other options are wrong
- B) Six credits in the last 3 years is the 'currently insured' standard for workers under 24 — not the 40-credit fully insured benchmark.
- C) Twenty credits is not a Social Security insured-status threshold.
- D) One hundred credits is not a standard; 40 credits is the fully insured figure.
Memory hook
40 credits = fully insured (the adult badge). Under 24? 6 credits in 3 years gets you currently insured. Age changes the math, 40 never does.