To qualify for benefits under the U.S. Social Security program, an employee must have acquired sufficient work credits, known as quarters of coverage, to meet certain “insured status requirements.” For example, a worker who reaches age 62 in 1991 or later typically needs 40 calendar quarters to be insured for old-age benefits. If a worker has some U.S. coverage but is not sufficient to qualify for benefits, the SSA counts, under a tabling agreement, the periods of insurance that the worker has earned under a contracting country`s social security program. .