Can A Husband And Wife Both Receive Social Security Benefits?

As retirement approaches, a husband and wife need to understand the Social Security Administration terms and conditions for distribution. To be eligible for social security benefits each spouse’s earnings have been collected separately under their individual social security numbers throughout their working career. During their lifetime all reported earnings were subjected to the social security deductions taken directly from the paychecks.

Shared Benefits

A husband and wife’s social security benefits may not be equal. The benefits vary, depending on the age and benefit type. Those who earned less throughout their careers will receive less at retirement. The eligibility is determined by the length of time employed and the amount collected from payroll contributions.

In the case of only one spouse working outside of the home, the nonworking spouse may be able to file for social security under the working spouse’s records, if the age of retirement is met. The working spouse needs to have accumulated enough credits for the nonworking spouse to be eligible.

Or if the working spouse is at retirement age, he or she may apply for retirement benefits and then request to have payments suspended. The nonworking spouse may be able to receive the working spouse’s benefits. The working spouse can select to continue to earn delayed retirement credits until age 70.

Nonworking Spouse

If the nonworking spouse does not qualify on their own record at the age of 62, they may be able to collect against the working spouse’s record. The early retirement amount will permanently be reduced by a percentage of the number of months to full retirement age. If the nonworking spouse delays retirement until the full age, they may be eligible to collect half of the working spouse’s retirement amount.

6 Responses to “Can A Husband And Wife Both Receive Social Security Benefits?”

  1. Lisa Jones says:

    I married a widower who had a child and we had two children of our own. I was a stay at home mother with very little work history. We divorced after 28 years of marriage. He is now remarried but I am not. If he is entitled to $2500-$3000 at retirement age, will I get half of that amount when I am of retirement age? Also does that mean he will only recieve half of the total amount as well? And is his current wife entitled to his social security benifits too. How does all this work?

  2. Nat Miller says:

    A person has to be married to another party for 10 years of more to receive benefits. He will get his full $2500-3000 and you will receive half that or $1250-1500. Also, if he passes before you do, you get the full $2500-3000. Hope that helps…

  3. betty jones says:

    husband is 64 next yr he retires.He talk about get sss next yr, will she get a check too? His wife is 56yr.She has high bloodpressure/high cholerstole,she has to have pills everyday.(live with husband been not easy) Will she collect a pay check when her husband retires.Her husband is a alcoholic.Please help.any advice will be appreciated.

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  6. Phyllis says:

    If I get married can I still collect my own S.S. check monthly?