Fully Insured vs Currently Insured

Which of the following clients would be considered fully insured under Social Security rules?

  1. Maria, age 45, who has earned 10 quarters of coverage in the past 10 years.
  2. James, age 62, who has earned 40 quarters of coverage over his lifetime.
  3. Angela, age 28, who has earned 6 quarters of coverage in the past 13 quarters.
  4. Robert, age 55, who has earned 20 quarters of coverage total, but only 5 in the last 10 years.