3 Reasons Why Social Security is Important to Women

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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57 thoughts on “3 Reasons Why Social Security is Important to Women

  1. I think this is one of the great posts on this topic. This post is really great, very efficiently written information. Keep up the good work and keep us sharing these kinds of informative posts with us. I will also try to check out your other posts.

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  2. 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.

    • 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.

  3. Thanks a ton for the timely advice. A woman indeed faces more financial challenges than men, especially if they are single. So start saving smartly and make your retired life fabulous. Because health is a significant concern when you hit your prime age. I have come across an incredible diagnostic center nearby. If you want to know more details, visit here: https://www.andersondiagnostics.com

  4. 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!

    • 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.

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