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The Social Security Retirement Guide page on “Quarters of Coverage” explains how individuals earn credits toward Social Security benefits. It defines a “quarter of coverage” as a unit that measures work history, with a specific earning threshold required to earn each quarter. The page details how many quarters are needed to qualify for different types of benefits, such as retirement, disability, and survivor benefits. It emphasizes the importance of understanding these credits for retirement planning and provides guidance on checking one’s earnings record to ensure eligibility for benefits. Overall, the page serves as a valuable resource for navigating the complexities of Social Security coverage.