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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.

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

  1. Irene Herring says:
    October 9, 2022 at 7:09 am

    Why do teacher who have retired under California social security rules don’t qualify for social security benefit’s?

    Reply
  2. Ann Grinwis says:
    October 9, 2022 at 7:54 pm

    i AM 90 YRS OLD, FEMALE
    i START DRAWING MY S.S. AT 62 YRS . mY HUSBAND ID STILL LIVING AND 90YRS OLD. cAN i DRAW 1/3 OR 1/2 OF HIS SS

    Reply
  3. Roseanna says:
    October 11, 2022 at 8:28 pm

    I am a widow I made more than my husband so I had to retire under my earnings, Is there anyway of any other ss for me since he passed six years ago? I am almost 73/

    Reply
  4. Dinah Tallman-Wright says:
    October 12, 2022 at 4:08 pm

    My husband passed in 2017. He would be 65 June 2023. I am his wife. I will be 60 Nov. 11 2022. Can I start collect his ssa in 2023 when he is 65?

    Reply
  5. Mary Whitcomb says:
    December 4, 2022 at 11:36 pm

    I was married for 24 years and now divorced and
    never remarried. Can I get social security from my ex husband. ? I collect STRS but never paid into social security.

    Reply
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