Which of the following statements is not true regarding spousal benefits under Social Security?
A. You can qualify for benefits if your spouse is fully insured in the program.
B. A divorced woman may receive 50 percent of her ex-husband’s benefits if she qualifies.
C. If a woman remarries, she will not be eligible for a divorcee benefit.
D. There are no protections in the program for
women who do not work outside the home.
A social security spouse benefit is called a “spousal benefit”. Below are some key things you need to know about the social security spousal benefit. [ It is especially important to understand how a spouse benefit is affected when taking social security benefits early, and what happens upon the death of a spouse.
Basics On The Social Security Spouse Benefit
* As a spouse, you can claim a
social security benefit based on your own earnings record, or you can collect a spousal benefit that will provide you 50% of the amount of your spouse’s social security benefit.
* You are automatically entitled to receive the benefit that provides you the higher monthly amount; either a benefit based on your own earnings, or the spousal benefit, and prior to reaching full retirement age, social security makes this determination for you.
* After you reach full retirement age, you can choose to receive only the spouse’s benefit, and delay receiving your retirement benefits until a later date, allowing you to receive a higher benefit later based on the effect of delayed retirement credits.
* You must be age 62 to qualify for either type of social security benefit.
* You cannot collect a spousal benefit until your spouse files for their own benefit.
Social Security Spouse Benefit And Early Retirement
* If you collect a spousal benefit, and you begin collecting this benefit before you reach full retirement age, your benefit will be permanently reduced. To see how this reduction is calculated visit the Benefits For Spouses section of the social security website.
* If your spouse takes social security early, and you take a spousal benefit early, you will be significantly reducing the amount of benefits that may be paid out over your lifetime.
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