SSA may combine an individual’s U.S. and foreign earnings from a country when the
U.S. has entered into a totalization agreement with that country. The NH must have
at least 6 U.S. quarters of coverage (QC) to be eligible for totalization benefits
(see GN01703.100). The Division of International Operations (DIO) is responsible for
adjudicating all claims for totalization where the NH has at least 6 QCs, but not
enough to be insured for U.S. benefits and meets all other requirements.