just the opposite. When one files and shows how much one paid into the SSA - one in no way is disqualified when on has worked 40 quarters.
an insurance policy can be paid if the qualifications for payment are made. Since you have paid the premiums, there is no reason why one should not collect on the benefit. However, if one does not make a claim upon those benefits, then they are not coming.
Shalom,
MJ