In order to receive Disability Insurance Benefits, you must be fully insured and currently insured. Fully insured is 1 quarter for each year after you turn 22, up to a maximum of 40. At age 59, that makes 37 the correct number. To be currently insured, you must have 20 of the preceding 40 quarters covered, with exceptions for younger workers.
If you do not have enough quarters to be currently and fully insured, you only option is to receive spousal benefits at age 60 and Medicare at age 65.