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Home›Expert Advice›7 Ways Social Security Affects Women

7 Ways Social Security Affects Women

By Our Editorial Team  |  Published October 20, 2022

Expert Verified

Our editorial team verifies all financial and lifestyle information for accuracy and relevance to senior living.

Early retirement

If You Qualify for 2 Benefits, You’ll Generally Receive the Higher One

As a spouse, you may be eligible for one-third to even one-half of your husband’s retirement benefits. This can be quite beneficial for women with low-income records.

However, if you qualify to receive both benefits on your record and your husband’s benefits on his record, you will only receive the highest rate. Most women who reach retirement while still working get their own Social Security benefits as they are higher than one-half of their husband’s retirement benefits.

To sum up, you won’t be able to collect both your Social Security benefits and your spousal retirement benefits, but you can choose the higher amount.

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8 responses to “7 Ways Social Security Affects Women”

  1. Ileana serrano says:
    December 27, 2022 at 4:28 pm

    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?

    Reply
  2. Ronald R. Welpott says:
    December 31, 2022 at 4:04 am

    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?

    Reply
  3. Joe Weise says:
    January 2, 2023 at 6:28 pm

    i took SS at 62 . Will my wife’s benefit be reduced up to 30% if I die first?

    Reply
  4. Patricia Onanian says:
    January 3, 2023 at 6:09 pm

    Hi
    Is there any bill in Congress to increase senior women’s income, as we still get paid lower than men!!

    TY

    Reply
  5. alexander schwencke says:
    February 8, 2023 at 1:47 pm

    if you were divorcedbut married for 10 years and now re married and die who gets s s benefits

    Reply
  6. Joe Patterson says:
    February 8, 2023 at 3:48 pm

    I am 75 years old. I am a man. My Social Security is less than a 1,000 dollers a month.

    Reply
  7. frances Williams says:
    February 8, 2023 at 5:56 pm

    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

    Reply
  8. Barbara Tyler says:
    February 9, 2023 at 5:27 am

    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.

    Reply

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