3 Reasons Why Social Security is Important to Women

March 12, 2020 • By

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Last Updated: March 12, 2020

In the 21st century, more women work, pay Social Security taxes, and earn credit toward monthly retirement income than at any other time in our nation’s history. Yet, on average, women face greater economic challenges than men in retirement.

Nearly 55 percent of the people receiving Social Security benefits are women. Women generally live longer than men while often having lower lifetime earnings. And women usually reach retirement with smaller pensions and other assets compared to men. These are three key reasons why Social Security is vitally important to women.

If you’ve worked and paid taxes into the Social Security system for at least 10 years and have earned a minimum of 40 work credits, you may be eligible for your own benefits. Once you reach age 62, you may be eligible for your own Social Security benefit whether you’re married or not and whether your spouse collects Social Security or not. If you’re eligible and apply for benefits on more than one work record, you generally receive the higher benefit amount.

The sooner you start planning for retirement, the better off you’ll be. We have specific information for women. Email or post this link to friends and family you love.

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About the Author

Darlynda Bogle, Assistant Deputy Commissioner

Darlynda Bogle, Assistant Deputy Commissioner


  1. Charles

    Dear Vonda VanTil. No response to my March 15 post?

    • Vonda V.

      Hi Charles, thank you for using our blog. To determine if you’ll pay higher premiums, Social Security uses the most recent federal tax return the IRS provides to us. If you must pay higher premiums, we use a sliding scale to make the adjustments, based on your modified adjusted gross income (MAGI). Your MAGI is your total adjusted gross income and tax-exempt interest income.

      For details regarding an appeal, check out the factsheet: What You Can Do if You Think Your Medicare Income-Related Premium is Incorrect.

      • Charles

        Dear Ms. Vonda VanTil. Thank you for your response. One final question. In filling out SSA 44 for a reduction of IRMMA it asks for ESTIMATED INCOME for the next two years. I have a small business with a variable income. What do I do?

  2. Michelle A.

    I’ve been trying since 2014 to get my disability. My husband gets SSI. I have worked enough to get SSD. Attorneys have let me down. Been waiting for my hearing, yet when I call my newest attorney I keep being told he’ll call me back, and he hasn’t. His receptionist is of no help either. Wellstone Mental health has records showing my issues that keep me from being able to work plus I have diagnoses from my Doctors for other medical issues. I’m 54. And I feel like I’m just being put off. Sick and tired of being sick and tired And I need my disability income And medicare/medicaid. What should I do? At this point I don’t even know if my newest attorney has even filed for me a hearing like he was supposed to have back in 2017. Please help me!

    • Vonda V.

      Hi Michelle. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213, Monday through Friday, between 7:00 a.m. and 7:00 p.m., for assistance or you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information.

  3. Theron

    Will women on “Spousal Social Security” receive a Stimulus check too?

    • Vonda V.

      Hi Theron. We realize you have questions about possible economic stimulus payments, but this legislation has not yet become law. Please do not call us with related questions at this time. Subscribe and stay up to date with the latest Social Security information on Coronavirus (COVID-19).

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  6. Vineeth

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  7. Shannon

    i really like the way you chose this topic this will become a hot topic on social media women needs more rights

  8. Liz

    Im 58 years old and have worked since I was 14 with only few years off while I was married. I am now disabled and divorced and I had to file for social security. I can’t work at all and I get very little on social security. Is there anything that can help. I was married for 13 years. Please help.

    • ST S.

      When your ex-husband begins receiving retirement benefits, you can file for spouse benefits. It does not affect his benefit amount, and he does not even have to know you are getting benefits based on his work record.

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