What does a worker need to obtain to be fully insured for Social Security benefits?

To be fully insured for Social Security benefits, a worker needs to earn 40 quarters of credit, which is equivalent to 10 years of work, assuming the individual has earned the required amount each quarter. This measure ensures that individuals have a sufficient work history to qualify for benefits based on their contributions to the Social Security system through payroll taxes.

Each quarter is earned by achieving a certain amount of income, which can change over time as the earning thresholds are adjusted for inflation. This system is designed to provide a safety net for those who have participated in the workforce and contributed to Social Security, ensuring they receive financial support if they become disabled or retire.

The other options provided do not accurately reflect the criteria for being fully insured. A minimum of 20 credits would not meet the requirement for full benefits, and simply completing a job training program or working for 5 years does not guarantee sufficient earnings to obtain the necessary credits for Social Security benefits. The requirement of 40 quarters of credit establishes a clear standard for determining eligibility.