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SS Coverage Measure Changed People working in employment or self-employment covered by social security are earning credit differently this year than they did before 1978, Bruce A. Hundley, social security manager in Culpeper, said recently. Social security credits are measured in units called "quarters of coverage.” A persons right to benefits is determined by the number of quarters of coverage he or she has. The required number basically depends on a person's date of birth. No one needs credit for more than 40 quarters of coverage—10 years. Starting in 1978, a person receives credit for one quarter of coverage for each $250 of covered annual earnings up to a maximum of 4 quarters if annual earnings are $1,000 or more. This applies to both employees and self-employed people. Before 1978, most employees earned one quarter of coverage if they were paid $50 or more in covered wages during a calendar quarter. Self-employed people earned 4 quarters of coverage if their annual net earnings amounted to $400 or more. In addition, Hundley said, the $250 measure will increase each year to take into account increases in average wages in the U.S. No changes were made in the rules about how many quarters of coverage are required to receive benefits. More information about social security credits and how they are earned can be obtained at the Culpeper social security office, located at 522 Culpeper Shopping Center. The telephone number is 825-3500.
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