The majority of women rely heavily on Social Security as a source of retirement income. It is crucial to comprehend the spousal benefit’s principles and how they may affect the amount of Social Security income you receive as a result.
You cannot get both a Social Security benefit based on your own earnings history and a spousal benefit equal to 50% of your spouse’s benefit as a spouse.
Receiving Social Security From Multiple Husbands
Regardless of which benefit offers you a bigger monthly sum, you are automatically eligible to get it.
You must be 62 years of age or older in order to be eligible for Social Security spousal payments, and your spouse must also be receiving benefits of their own.
If you are the greater earner, your spouse may also seek to get spousal benefits based on your employment history.
The benefit amount received by the employee whose earning record is being used is unaffected by the filing of a spousal benefit claim, it is crucial to remember.
If your marriage lasted at least nine months, you are eligible to start receiving survivor benefits at age 60 (or 50 if you are incapacitated).
The amount is often determined by the deceased’s Social Security benefit at the time of death (or, if they had not yet applied for benefits, what they would have been eligible to receive).
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Age, Remarriage, And Compensation
Depending on your age when you file for survivor benefits, you can receive anything from 71.5 to 100 percent of the deceased spouse’s compensation.
You lose eligibility for survivor benefits if you remarry before age 60, or 50 if you’re handicapped, but the government has no issue if you wed beyond that age.
You will receive a retirement benefit if it exceeds the amount you would receive based on the record of any former spouse.