I would suggest she call SS

on the quarters thing to make certain, or try and find it online. All I know is I was a few credits short to be able to draw on my own, despite all the years I paid in the taxes on my home based businesses.

They told dh his would be based on how much he had paid in for x amount of quarters and y amount of quarters that were his lowest quarters would not be included. It is really strange how they calculate it.