Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
For Social Security survivor benefits, a worker under age 24 is considered currently insured if the worker has earned:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A young worker under age 24 is currently insured for survivor benefits with 6 credits earned within the 3-year period ending with death. This is the young-worker exception to the general rule that 40 credits establish fully insured status. Currently insured and fully insured statuses are distinguished in objective LIFE-II.H.1, and the numbers are confirmed in the PassSprint fact table.
Why the other options are wrong
- B) Forty credits establish fully insured status, but the young-worker exception for current insurance is 6 credits in 3 years.
- C) Twelve credits is not the threshold for a worker under 24; the rule is 6 credits in 3 years.
- D) The 6 credits must be earned within the 3-year window ending with death, not at any time in life.
Memory hook
Under 24: six credits in three years = currently insured. Young worker, light rule.