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Social Security: 7 Things Every Woman Should Know About

May 19, 2022 · Updated October 20, 2022 · Retirement Life
Marriage
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Marriage Doesn’t Limit Your Social Security Benefits

If you’re married and both you and your husband have worked, you can each request Social Security benefits separately and independently. But you two must have worked before and you must have separate work records.

Let’s say you have a claim of $2,000 per month and your husband has a claim of $2,500 per month. This means your combined retirement benefits should go up to $4,500 monthly.

So being married doesn’t influence your Social Security retirement benefit. Which indicates you’re not restricted to receiving 50% of your husband’s pension. Although Social Security spousal benefits might be a financial plus, if you’re not eligible, you can still carry out to provide your own financial security. Talk to a financial consultant or an attorney to ensure you have the right retirement plan.

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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
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