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.
7 thoughts on “Social Security: 7 Things Every Woman Should Know About”
Why do teacher who have retired under California social security rules don’t qualify for social security benefit’s?
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
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/
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?
You can file for survivors benefits at age 60. You don’t have to wait. I was going to begin drawing ss and keep working at 62. They came back to me and offered survivors benefits which were more than mine. My husband died at 55 in 2015. I could have been collecting for the last 2 years had I known. File for it baby!
I worked for Social Security for 37 1/2 years and retired in 2006. You can begin collecting widow’s benefits at age 60 if you are not working and earning more than the allowable limit. Check with your Social Security office – depending upon how much you and your husband each earned, you may want to switch from the widow’s rate to your own Social Security rate when you reach full retirement age or when you reach age 70.
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.