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Essay text:
Eligibility for most SSA programs is based upon the work history of the recipient or a family member. They may be placed in the following general categories: retirement benefits; disability benefits; spousal benefits; dependent benefits; and lump sum death benefits.
Generally, to be eligible, a retiring individual must have worked for ten years during the worker's lifetime in employment covered by Social Security. To reach 10 years of coverage, one must work 40 quarters (three-month periods). Since 1970, quarters of work have been based upon annual earnings, not the actual number of months worked...
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