Q. My husband and I are retired CT teachers. We paid into our state teachers pension plan and not into social security. My husband has been working part time to gain his 40 quarters to qualify for Medicare. If he qualifies at 65 years, will I qualify under him? Or do I have to acquire 40 quarters on my own? I understand that he will never be able to qualify for Social Security payments because we worked in CT. Is this true? Could you clarify these questions?

A. When your husband has earned 40 Social Security work credits, you also will be entitled to Medicare on his record. when you reach age 65. It is not necessary for you to individually qualify for Social Security.

Anyone who has earned ten years of Social Security work credits receives a Social Security benefit at retirement age. There are no exceptions. Your husband’s Social Security retirement benefit, however, will be subject to the Social Security Act’s Windfall Elimination provision if he also receives a pension from non-Social Security covered employment.