What Is A Quarter Of Coverage For Social Security Disability?

“Quarter of coverage” (QC) is a legal term, but you may also see the term “Social Security credit” (or just “credit”) used elsewhere. A QC is a basic unit for determining whether a worker is insured under the Social Security program.

Latest Amount

The amount of earnings required for a quarter of coverage in 2025 is $1,810. No matter how high your earnings may be, you can not earn more than 4 QC’s in one year.

History

See historical series of earnings needed to earn one quarter of coverage, 1978-2024.

For years before 1978, an individual generally was credited with a quarter of coverage for each quarter in which wages of $50 or more were paid, or an individual was credited with 4 quarters of coverage for every taxable year in which $400 or more of self-employment income was earned. Beginning in 1978, employers generally report wages on an annual, instead of quarterly, basis.

With this change to annual reporting, the law provided that a quarter of coverage be credited for each $250 of an individual’s total wages and self-employment income for calendar year 1978 (up to a maximum of 4 quarters of coverage for the year). After 1978, the amount of earnings needed for a quarter of coverage changes automatically each year with changes in the national average wage index.

How the Quarter of Coverage Amount for 2025 Was Determined

The law specifies that the quarter of coverage (QC) amount for 2025 is equal to the 1978 amount of $250 multiplied by the ratio of the national average wage index for 2023 to that for 1976, or, if larger, the 2024 amount of $1,730. If the amount so determined is not a multiple of $10, it shall be rounded to the nearest multiple of $10.