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I Have Never Worked But My Spouse Has. What Will My Benefits Be?

Is it possible that I can receive Social Security benefits if I have never worked but my spouse has and if so, what will my benefits be?

I have never worked but my spouse has. What will my benefits be? That is a question that is asked when retirement is just ahead or when a spouse has become ill or has died and the future is staring you in the face and the uncertainty can be disturbing.

I have never worked but my spouse has. What will my benefits be?

Even if you have never worked outside the home you may be entitled to Social Security benefits. That will depend on the work record of your spouse. If your spouse has paid into the Social Security system then you will be able to collect on their record.

How is my benefit amount determined?

You could be entitled to half of what your spouse’s would be after you have reached full retirement age. However, if you begin receiving benefits prior to reaching that age your benefit amount will be locked into a lower amount. The list below will give an idea of the reduction of benefits.

1. If you begin collecting benefits when you are 62, and full retirement age for you is 65 the amount you will get is 37.5% of your spouse’s benefit.
2. If you begin collecting benefits when you are 62, and full retirement age for you is 66 the amount you will get is 35% of your spouse’s benefit.
3. If you begin collecting benefits when you are 62, and full retirement age for you is 67 the amount you will get is 32.5% of your spouse’s benefits.

What are my benefits if I have a child under age 16?

I have never worked but my spouse has. What will my benefits be if I have a child under age 16? With a child under age 16 your will receive full benefits and your age has no effect on that.



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