Who is considered Fully Insured under Social Security?

An individual is considered fully insured under Social Security when they have earned a specific number of work credits, which requires working for at least 10 years. This is a fundamental requirement for being eligible for Social Security benefits such as retirement, disability, or survivor benefits.

To be fully insured, a person must accumulate 40 work credits, which generally equates to about 10 years of work, as an individual can earn a maximum of four credits per year depending on their earnings. This system emphasizes the importance of substantial and consistent employment history to qualify for the full range of benefits provided by Social Security.

Other options, such as individuals with less than 10 years of work, those who have never worked, or those who have worked only occasionally, do not meet this requirement and would not be considered fully insured. Therefore, option B accurately identifies the criteria needed for an individual to be deemed fully insured under Social Security.