2025 Quarters Of Coverage Plan. You need 40 quarters of coverage to qualify for social security retirement benefits. Individuals who had at least 30 quarters of coverage or were married to someone with at least 30 quarters of coverage may buy into part a at a reduced monthly premium rate, which will be.

Certain uninsured aged individuals who have fewer than 30 quarters of coverage, and certain individuals with disabilities who have exhausted other entitlements, will pay the full. You need 40 quarters of coverage to qualify for social security retirement benefits.