If a freeze insured status is based on military service, wage credits, or railroad
(RR) compensation (that are not creditable as wages, described in RS 00301.131), the number holder (NH) may not be insured for cash benefit purposes.
EXAMPLE: A period of disability established under a freeze reduces the QCs required for a
fully insured status from 14 to 8 but the NH has only 7 QCs from non-military covered
employment. Cash benefits are not payable.