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


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  4. Mr. J.

    I am getting $1,705 a month and I hope to live to be over 100 years of age, but being on dialysis I seriously don’t think I’ll get to that age.

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  6. bablou

    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. Pvainsta

  7. Lori S.

    I receive survivor disability benefits of $921 a month

  8. Monique S.

    The world is evolvig and more fields are accepting women. If you have worked and properly paid your taxes into the Social Security system, you can enjoy the benefits after retirement.

    – Monique Shane
    (eCommerce developer, ecommercecone)

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