Your golden years are your best years! Make them shine!

  • Home
  • Personal Finance
  • Retirement Life
  • Saving & Spending

Social Security: 7 Things Every Woman Should Know About

May 19, 2022 · Retirement Life
social security
Photo by Rido from Shutterstock

If You’re Eligible for 2 Benefits, You’re Generally Paid the Higher Rate

As a spouse, you may be qualified to receive one-third to one-half of your husband’s social security benefit. This can be really helpful for women with low earnings records.

However, if you are qualified for benefits on both your own earnings record and your husband’s earnings record, you will only get the benefit with the highest rate. Most working women who reach retirement receive their own Social Security benefit amount as it’s more than one-third to one-half of their husband’s pension.

To sum up, you can’t receive both your Social Security benefits and your spousal Social Security benefits, but you can choose the one with the highest amount.

Pages: 1 2 3 4 5 6 7 8

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

24 comments on “Social Security: 7 Things Every Woman Should Know About”

  1. Rosa M Vigil says:
    February 6, 2025 at 11:31 am

    Hi, I lost my husband January 2019 I was 58 and I started receiving my spouses benefits in 2021. I get paid for 2 days 8.5 hours between both days. I am 63 now. When I decide to retire will I get my benefits and my spouses benefits too? What happens to my late spouses benefits?

    Reply
  2. Valerie Bruce says:
    August 8, 2024 at 11:58 pm

    I have just retired but is in the process of getting my benefits from where I work my husband is still alive but has strict MS he can’t really do anything for himself and that’s the reason why I retired to stay home and take care of him he is 66 and I am 62 this October 17 I need to know if I am qualified fo social Security just wanted to find out of curiosity

    Reply
  3. Pamela Chattergoon says:
    June 28, 2024 at 1:22 pm

    My mother worked her whole life as did my dad. She had to leave her job to care for my dad when they were around 56. My dad died at 58. My mother was unable to get any of my dad’s social security. My mom worked for the state so she didn’t pay into it. She wasn’t old enough to retire so when my dad died she was left with nothing. This was in the 80s. She was told it was a new law. She was left with nothing. Both her and my dad were active duty in the Korean war. VA was useless.

    Reply
  4. Wanda White says:
    June 26, 2024 at 8:49 am

    I am 80 years old drawing survivors benefits I draw 2713 a month will I be able to get the extra money on my social security check they are talking about in July.

    Reply
  5. Barbara Wade says:
    June 24, 2024 at 10:37 am

    I tired going online to register for social security,I couldn’t get anywhere with it!, asked if they could mail the information to me I haven’t received anything

    Reply
  6. Sailin Barban Rodriguez says:
    April 8, 2024 at 7:16 pm

    Después del huracán,,estu w en la calle,y producto a eso y muchas cosas que pase,que asta ganas de quitarme la vida me pasó por la cabeza,padesco de depresión severa bipolaridad y esquizofrenia,no tengo seguro médico no tengo casa,estoy decesperada, necesito ayuda porfabor,gracias,espero su respuesta lo antes posible

    Reply
  7. KCR says:
    April 7, 2024 at 7:29 pm

    I am forced to retire due to medical reasons .I am 68 years old. And have not started full SS yet how does this affect

    Reply
  8. Brenda says:
    April 7, 2024 at 2:30 pm

    I receive SSDI is that all I’ll ever receive? I can’t receive SSI payments

    Reply
  9. Anna says:
    April 6, 2024 at 8:54 am

    65 I still have work because my Social Security, SSI, widows, pension, or too small for me to live on my health is not well. I’m getting sicker and sicker but I have to work. What can I do?

    Reply
  10. Paula says:
    April 5, 2024 at 3:26 pm

    On pg 6 it says if you take SS at your full retirement age all that you earn after that is yours, non- taxable. WRONG. I make just over the $25,000 limit and get taxed on part of my benefit. So wrong to do that! I’m still working because SS alone won’t pay the rent, utilities, food, car insurance/ maintenance, a monthly specialist visit. Not EXTRAS. Just the stuff of living.

    Reply
Se încarcă comentarii...

Nu mai există comentarii de afișat.

Search

Latest Posts

  • A luxury cruise ship docked in a South American port at dawn, with two retirees looking on from a wooden pier. Hantavirus: What Retirees Need to Know Before Boarding a Cruise Ship
  • A retired couple selects fresh produce at a sunny outdoor market, highlighting the active and affordable retirement lifestyle. 7 Retirement Towns Where Residents Spend Less On Groceries
  • A vibrant sunset scene at a luxury retirement community showing seniors socializing near a lake and golf course. 10 Most Welcoming Retirement Communities in the USA With the Best Amenities
  • A peaceful rural landscape with a craftsman home in the foreground and a distant city skyline, symbolizing the move to the countryside. 12 Reasons More Americans Are Choosing Rural Areas to Retire
  • A retired couple walks through a desert landscape with tall Saguaro cacti under a vibrant orange and purple sunset sky. 9 Honest Pros and Cons of Retiring in Arizona That No One Talks About
  • An older man at a kitchen table with a map and tablet, planning various retirement trial locations in a sunlit home. 7 Retirement Lifestyles People Are Testing Before Fully Retiring
  • Watercolor illustration of a retiree checking off 'Travel' and 'Golf' on a list, surrounded by icons of airplanes and park ranger hats. 7 Retirement Jobs People Take Just For Free Perks
  • A retiree couple looks out the window of their new, bright, minimalist condo, symbolizing a fresh start after downsizing their home. 8 Things Retirees Are Selling Before Moving Into Smaller Homes
  • A retiree in a sun hat looking out over a vast canyon at sunset, symbolizing the freedom of travel in retirement. 7 Retirement Jobs That Let You Travel For Free
  • A grandmother and grandson sitting on a wooden dock at sunset, skipped stones creating ripples in the water. 7 Retirement Places Where Grandkids Actually Love Visiting

Newsletter

Get retirement tips and senior living advice delivered to your inbox.

Related Articles

A woman smiles while chatting with others at an outdoor community event in a sunny, walkable city.

Retiring Solo: A Guide to the Best Cities for Single Seniors

Frequently Asked Questions About Solo Retirement Navigating the logistics of a solo retirement move brings…

Read More →
safest cities in california beach

9 Safest Cities in California to Move to in Retirement

4. Saratoga Saratoga, with a population of about 32,000 people, also makes the list of…

Read More →
most depressed states

These Are the 4 Most Depressed States in America

4. Tennessee Tennessee is a beautiful state, but unfortunately, it ranks fourth on the list…

Read More →
safety tips for seniors

SOS Emergency: 4 New Safety Tips for Seniors Living Alone

Invest in a home security system! This type of safety tip for seniors is often…

Read More →
retirement

How the 4 Phases of Retirement Turn You Into a Different Person

Recently, a TED Talk went viral (AGAIN), and guess what it was about. Retirement. Yes,…

Read More →
medicare

Medicare Costs Are Rising in 2026 — Here’s What to Expect

Medicare Part D: Prescription Drug Coverage Prescription drug costs can also vary year to year.…

Read More →
retire

5 Places in Florida to Retire on Social Security Check Alone

Cities in the U.S. where you can live only on your Social Security Now, since…

Read More →
living in a beach town

7 Downsides of Living in A Beach Town for $1,200 per Month

Figuring out the norms No matter how long you might be living in another country,…

Read More →
money Ways to Make Extra Money in Retirement, reason, sign, reduce

6 Signs You May End Up Broke in Retirement

#4 You took on a new debt The best case scenario you could have is…

Read More →
Retired in USA

Your golden years are your best years! Make them shine!

Inedit Agency S.R.L.
Bucharest, Romania

contact@ineditagency.com

Trust & Legal

  • Terms and Conditions
  • Privacy Policy
  • Do not sell my personal information
  • Subscribe
  • Unsubscribe
  • Contact
  • CA Privacy Policy
  • Request to Know
  • Request to Delete

Categories

  • Enjoying Retirement
  • Personal Finance
  • Saving & Spending

© 2026 Retired in USA. All rights reserved.