Marriage Doesn’t Affect Your Social Security Eligibility and Benefits
If you’re married and both you and your husband have earned the minimum work credits, you can each claim Social Security benefits independently and separately. However, both of you must have worked before, and each of you must have a separate work record.
Let’s say your monthly Social Security benefit is worth $2,000, and your husband’s is worth $2,500. This means that your combined retirement benefits can get both of you up to $4,500 monthly.
So being married doesn’t affect your Social Security retirement benefit. Some women believe they are restricted to receiving half of their husband’s pension. This isn’t true. Although Social Security spousal benefits may give you some extra cash, if you don’t qualify, you can still claim for your own financial security.
8 Responses
I am a federal employee and will turn 65 in 2023. I am still working. Do I have to apply for SS or can I delay till I retire?
My wife and I are 74 and 81 respectively. Her SS benefit is $898 and mine is $2416. If I die first, what would be the best way for her to maximize her income?
i took SS at 62 . Will my wife’s benefit be reduced up to 30% if I die first?
Hi
Is there any bill in Congress to increase senior women’s income, as we still get paid lower than men!!
TY
if you were divorcedbut married for 10 years and now re married and die who gets s s benefits
I am 75 years old. I am a man. My Social Security is less than a 1,000 dollers a month.
I 66 don’t have a good retirement other SSA
Which I can live off
But I have training and experience
Can work in a lot of industries and remote to supplement my retirement which can be very helpful
Age of course is the problem
My husband died 7/18/22 he was 68 yrs old and worked his entire adult life I only collect $800 from his SS. I can’t believe that with my SS I get $772 I can only pay the mortgage. Is this low income SS.