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Social Security: 7 Things Every Woman Should Know About

May 19, 2022 · Updated October 20, 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. 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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