A fully insured NH has at least one QC (whenever acquired) for each calendar year
after 1950 or after the year in which the person attained age 21, if later, up to
the year in which the NH attains age 62, or assumed age 62, or dies, whichever occurs
earlier. In determining the number of years, do not count any year if part or all
of that year is included in a period of disability if entitlement or a higher benefit
would result.