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When you leave full-time employment, there is a period of time after that when you will continue to be covered by Social Security Disability Benefits. Welcome to the 20/40 Rule.

The 20/40 Rule

If you have become disabled after you’ve left employment, you may be eligible for Social Security Disability Benefits – assuming that you’re under Full Retirement Age (FRA). In a case such as this, if you have worked the required number of quarters to be eligible for Disability Benefits, the rule is that you must have worked 20 quarters out of the previous 40 quarters, earning at least the minimum.

This is the 20/40 Rule. The quarters don’t need to be consecutive, but it must be 20 out of the 40 quarters just prior to the onset of the disability. Another way to look at it is that for five years after you leave employment

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