5 Facts You Might Not Know About Social Security

little girl getting a piggy back ride on older womanMost people know at least something about Social Security. For decades, Social Security has been providing valuable information and tools to help you build financial security. Here’s your opportunity to find out a little more, with some lesser-known facts about Social Security.

1. Social Security pays benefits to children.

Social Security pays benefits to unmarried children whose parents are deceased, disabled, or retired. See Benefits for Children for the specific requirements.

2. Social Security can pay benefits to parents.

Most people know that when a worker dies, we can pay benefits to surviving spouses and children. What you may not know is that under certain circumstances, we can pay benefits to a surviving parent. Read our Fact Sheet Parent’s Benefits, for the details.

3. Widows’ and widowers’ payments can continue if remarriage occurs after age 60.

Remarriage ends survivor’s benefits when it occurs before age 60, but benefits can continue for marriages after age 60.

4. If a spouse draws reduced retirement benefits before starting spouse’s benefits (his or her spouse is younger), the spouse will not receive 50 percent of the worker’s benefit amount.

Your full spouse’s benefit could be up to 50 percent of your spouse’s full retirement age amount if you are full retirement age when you take it. If you qualify for your own retirement benefit and a spouse’s benefit, we always pay your own benefit first. (For example, you are eligible for $400 from your own retirement and $150 as a spouse for a total of $550.) The reduction rates for retirement and spouses benefits are different. If your spouse is younger, you cannot receive benefits unless he or she is receiving benefits (except for divorced spouses). If you took your reduced retirement first while waiting for your spouse to reach retirement age, when you add spouse’s benefits later, your own retirement portion remains reduced which causes the total retirement and spouses benefit together to total less than 50 percent of the worker’s amount. You can find out more on our website.

5. If your spouse’s retirement benefit is higher than your retirement benefit, and he or she chooses to take reduced benefits and dies first, your survivor benefit will be reduced, but may be higher than what your spouse received.

If the deceased worker started receiving reduced retirement benefits before their full retirement age, a special rule called the retirement insurance benefit limit may apply to the surviving spouse. The retirement insurance benefit limit is the maximum survivor benefit you may receive. Generally, the limit is the higher of:

  • The reduced monthly retirement benefit to which the deceased spouse would have been entitled if they had lived, or
  • 82.5 percent of the unreduced deceased spouse’s monthly benefit if they had started receiving benefits at their full retirement age (rather than choosing to receive a reduced retirement benefit early).

Social Security helps secure your financial future by providing the facts you need to make life’s important decisions.

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101 thoughts on “5 Facts You Might Not Know About Social Security

    • Hello Mary. You can only receive one payment at the time. If you are the widow of a person who worked long enough under Social Security, you can start receiving reduced widow’s benefits at age 60 (age 50 if disabled). In many cases, a widow can begin receiving one benefit at a reduced rate and then, at full retirement age, switch to the other benefit at an unreduced rate. The rules are complicated and vary depending on the situation. You will need to speak with a Social Security representative.
      You cannot apply for survivor’s benefits online. If you decide to apply, you will need to contact your local office, or call our toll-free number at 1-800-772-1213, for assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m.
      We hope this information helps!

  1. I tried to get my ex wife who is retire social security because I only get 275 a month my Springfield Illinois social security office said no why is that

    • Hello William. Unfortunately, and because of security reasons we do not have access to personal records in this blog and cannot answer your question at this time. One of our representatives should be able to provide you with an explanation.
      Please continue working with your local office. You can request to speak with the office manager if necessary.
      If you are unable to visit the local office, you can call our toll free number at 1-800-772-1213, representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week. Thanks.

  2. SS rules for Survivor benefits for the spouse.
    My husband died on 8/18/2011. I filed for survivor benefits but was turned down. My DOB is 06/30/1950,
    and working when the application was filed.
    The reason they gave me is : I don’t qualified.
    I am bit confused of what the above reason.
    Could you please explain it further why I was disqualified to received the benefits then?

    • Perhaps your earnings were too high or you were not married long enough. Your denial letter explains it. Denials don’t just say, “You are disqualified”.

    • We are sorry for your loss, Mercedes. If you were working when you filed your application for widow’s benefits, your earnings may have exceeded the allowable amount. You should know that there are limits on how much survivors may earn while they receive benefits. However, those restrictions change when you attain your full retirement age. See “Getting Benefits While Working” for more information.
      Unfortunately, and because of security reasons we do not have access to personal records in this blog and cannot answer your question at this time. One of our representatives should be able to provide you with an explanation. Please call our toll free number at 1-800-772-1213, representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week.
      Thanks!

  3. My wife died in 2011 after receiving only 2-3 monthly payments. Is the spouse entitled to all the payments she made to social security over all the previous years that she did not collect?
    Also, I worked for an additional 8 years past 65 paying into social security. Should I receive an additional monthly payment for these additional payments?
    Thank you,

    • First question, the answer is, no. Second question, what do you want SS to do, add additional months to the 12 month calendar? Work activity after you retire can increase your monthly payments, no extra months though.

    • Hello James. Each year, we review the records for all working Social Security recipients to see if additional earnings may increase their monthly benefits.
      When you apply for retirement benefits, we base your benefit payment on your highest 35 years of earnings and your age when you start receiving benefits. If your earnings for the prior year are higher than one of the years we used to compute your retirement benefit, we will recalculate your benefit amount.
      If an increase is due, a new monthly benefit amount is established on your record automatically. See “Getting Benefits While Working” for more information. Thanks!

  4. Does this mean that because my last heart event in 2015 caused the VA to rate me 100% T&P plus SMC-s for greater than 60% more in disabilities and SSA Disability at 58, that my wife who is 4 years younger will not receive my SSA benefit rather than hers which will be lower? I don’t expect to live to see her reach full retirement age!

    • What is a divisability benefit? If you receive a SS disability payments it is because SS considers you to be disabled. Getting more disabled does not get you more money.

  5. If two people are married and one of them
    dies, does the surviving spouse continue to
    receive the spouse’s social security, along with her’s?

  6. On several occasions, I have requested information about getting French Social Security. I was born and raised in France and worked at two different companies. Yet, all my requests have been ignored. When I retired from the US Postal Service in 2003, I completed paperwork and gave it to the SS Office in Sacramento, CA. They claimed it was lost and I never tried again. However, I badly need that money. I am 80 years old, have a lot of ailments; my husband is almost 85 and is also in poor health as are my two children. My son, Ron, 56, was born in Nancy, France. My daughter, Sonia, 52, was born in Colorado Springs, CO. Please help me.

    • Did you ever file for SS? If so, you received a denial letter. The USA has a totalization agreement with France which would combine your French and American wages might give you insured status and could be used to figure your benefit amount subject to the GPO or Government offset.
      After you were told “the papers were lost” what did you do? When you filed, if you filed, that application protects your rights to get a decision for any and all payment that could be paid to you. You may have to start all over and ask for copies of any previous claims filed. When you get a decision that is not favorable, hire a lawyer on a contingency basis. Good luck!!

  7. How can I sit face to face with an SS person and initially apply for my SS benefits I will be 67 11/19/2018.

    I am not computer competent and would do better with a trained person who has dealt with applicants like me in the past.

    • Hello Jim. If you do not want to apply for benefits online, or you need to speak to us for any other reason, you can schedule, an appointment by:
      •Calling us at 1-800-772-1213 (TTY 1-800-325-0778) between 7 a.m. to 7 p.m., Monday through Friday; or
      •Contacting your local Social Security office. Thanks!

  8. i AM 84 YEARS OLD AND ALREADY RECEIVING SOCIAL SECURITY BENEFITS. i APPRECIATE ALL INFORMATION YOU SEND.

    THANK YOU
    BRUCE

    • Thank you, Eustice! We’re pleased we can help. We will continue our efforts to meet your requirements and expectations in the years to come.

  9. I have been disabled since 1980 and my husband retired early at 65…am I eligible to apply for spousal benefits? Thank you.

    • To see if you’re eligible for a higher benefit amount on your husband’s record, call our toll free number at 1-800-772-1213 and speak to one of our agents. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week.
      Thanks!

  10. what i have a very deep concern about is when s.s. gives a cost of living raise.what happens in texas and i think they are breaking the law.i am 86 born 4/19/1932.last year i got a3.00 raise a week later the food stamp office took 3.00 of food stamps but my rent went up a dollar,this yeasr i got a 11.00 raise the same thing happened food stamps took 11.00 out the the housing project here dont reconize the stamp the 11.00, out it came but due to the 30% increase my rentwent up another 5.00 now i know that dont mean much,but to a ill 86 yr.old it means a whole lot as i get 54.00 in food stamps now to top it off,noone will answer the seniors queastion,but keep raising baby factory stamps up and up

  11. Social Security lost 15 years of my annual earnings. I don’t understand why I can only show proof of the past three years even though I can show more than three years of earnings.

    • Hello Shirley. Unfortunately, but for security reasons, we do not have access to personal records in this blog. Please continue working with your local office. You can request to speak with the manager if necessary.
      If you are unable to visit the local office, you can call our toll free number at 1-800-772-1213, representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week. Thanks.

  12. Please complete my Disability Evaluation and continue my Social Security Benefits because I am not well enough to work.

    • Hello Michael. Unfortunately, but for security reasons, we do not have access to personal records in this blog. Please continue working with your local office. If you are unable to visit the local office, you can call our toll free number at 1-800-772-1213, representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week. Thanks.

  13. I’m 83 yrs old retiree since Dec.1999 w/ SS benefits. I lost my wife on Jan.7,2017. She used to receive her monthly SS payments on my records. Question: If I remarry a non-US citizen, who’s 74 yrs old residing in Korea. Is she entitled to receive a spouse benefit upon our marriages?
    My ex-wife used to receive an half of my monthly SS payment prior to her death in Jan.2017.

  14. I was just reading about how children can receive the benefits if their parent is disabled I currently receive Social Security income because I am disabled but my four-year-old son is not can he still receive any kind of benefits because of my disability

  15. This is a question I hope can be answered. I am now 63. My husband died in 2004. If received his benefits now can I choose to receive mine at full retirement?

    • Hello Aleta. A widow of a person who worked long enough under Social Security, can start receiving reduced widow’s benefits at age 60 (age 50 if disabled).
      In many cases, a widow can begin receiving one benefit at a reduced rate and then, at full retirement age, switch to the other benefit at an unreduced rate. The rules are complicated and vary depending on the situation. You will need to speak with a Social Security representative.
      You cannot apply for survivor’s benefits online. If you decide to apply, you will need to contact your local office, or call our toll-free number at 1-800-772-1213, for assistance. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m.
      We hope this information helps!

  16. I have received several phone calls and messages in my voice mail that I have to contact the ASA because my Social Security # has been compromise, I am retired now and don’t know what is.going on.
    My email address: rotca55@yahoo.com
    The phone calling me, 951-777-0733. Thanks

    • Hi Paula, thanks for reaching out to us. Social Security Administration (SSA) employees occasionally contact citizens by telephone for customer-service purposes. An SSA employee may call you in limited situations, such as if you recently filed a claim or have other Social Security business that is pending. In only a few limited special situations, usually already known to the citizen, an SSA employee may request to confirm personal information over the phone. If you have questions about any communication—email, letter, text or phone call—that claims to be from SSA, please contact your local Social Security office or call us toll free at 1-800-772-1213. Representatives are available to speak with you from 7:00 a.m. to 7:00 p.m. Monday through Friday to verify its legitimacy (TTY number at 1-800-325-0778).

  17. Why are the GOP so intent upon terrorizing us with threats to steal our social security? Is this actually going to happen?

  18. Mr. Borland-
    Items 4. and 5. of this are difficult for us to understand. Perhaps a couple of specific examples might help?
    Thank you.

  19. Mr. Borland-
    Items 4 and 5 of this edition of the publication are very difficult for many of us to follow. Perhaps if they included some specific samples?
    Thank you.

    • Thanks for your comment, Terrence! We value your thoughts and will use your suggestions to explore how we can further improve the services we offer. Your feedback is greatly appreciated!

  20. My husband passed on. Oct 20. 2016. He was in The Navy 10 plus years. Is there any benifits. That I. Can get He was not in the navy when he passed on. Thankyou

    • Hi Margaret, We are very sorry for your loss. Generally, there is no reduction of Social Security benefits because of military benefits. However, Social Security survivor benefits may affect benefits payable under the optional Department of Defense Survivors Benefit Plan. You may want to check with the Department of Defense or military advisor for more information on military benefits.

      If your husband worked long enough under Social Security, there may be benefits payable to survivors. You may be eligible for reduced widows benefits as early as age 60 (age 50 if disabled) and at any age if caring for the deceased’s child who is under age 16 or disabled and receiving benefits on the deceased’s record. Survivor benefit amounts are based on your husband’s earnings. The more he paid into Social Security, the higher the benefits would be. The benefits will not be established automatically, you will have to contact us. For additional information, visit our Survivors Planner.

  21. I just got a notice from the Social Security office indicating that I’ve been paid too much, because I had made too much income last year. So in there infinite stupid wisdom they took a whole month’s check from me instead of allowing me to make payments over like 4 or 5 months to pay it off like they did last year. So how am I supposed to get through this month now that I’m $1,000 short plus I still owe another $400 that’s going to come out of my next check to do this better you say you’re so concerned about your people but when it comes to this you don’t give a damn

    • We wish we could be more help David, but for security reasons we do not have access to personal records in this blog. Your local office will be able to assist you.
      If you agree that you’ve been paid too much, and that the overpayment amount is correct, you have options for repaying it.
      If you’re receiving Social Security benefits, we’ll withhold the full amount of your benefit each month, unless you ask for a lesser withholding amount, and we approve your request. For more information and to learn about appeals and waiver rights, read our publication on “Overpayments“.
      If you still have questions, or need further assistance, you should call our toll-free number at 1-800-772-1213. Representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally you will have a shorter wait time if you call later during the day or later in the week.

    • Thank you for your question, Larry. A pension based on work that is not covered by Social Security (for example, Federal civil service and some State or local government agencies) may cause the amount of your Social Security benefit to be reduced.
      Your benefits can be reduced based on one of two provisions. Your own Social Security benefit can be reduced based on the Windfall Elimination Provision.
      If you receive a pension from a government job in which you did not pay Social Security taxes, some or all of your Social Security spouse’s or widow’s benefit may be offset due to receipt of that pension. This offset is referred to as the Government Pension Offset, or GPO.
      We hope this information helps!

    • Thank you for your question, Larry. A pension based on work that is not covered by Social Security (for example, Federal civil service and some State or local government agencies) may cause the amount of your Social Security benefit to be reduced.
      Your benefits can be reduced based on one of two provisions. Your own Social Security benefit can be reduced based on the Windfall Elimination Provision.
      If you receive a pension from a government job in which you did not pay Social Security taxes, some or all of your Social Security spouse’s or widow’s benefit may be offset due to receipt of that pension. This offset is referred to as the Government Pension Offset, or GPO.
      We hope this information helps!

  22. Dear Sir/Madam:

    I’m planning for retirement. I have 2 children under age 18. According to your information each of my children will receive 1/2 of my full retirement benefit until they reach the age of 18. For Instance, if my benefit is $2,000 per month, each of my will receive $1,000 per month on top of my benefit that is I will be receiving $4,000 monthly. Am I correct? Please advise. Thank you.

    • You’re right, Thang. When you start receiving Social Security retirement benefits, some members of your family may also qualify to receive benefits on your record. If they qualify, your spouse or child may receive a monthly payment of up to one-half of your full retirement benefit amount. However, there is a limit to the amount we can pay each family member. The total depends on your benefit amount and the number of family members who also qualify on your record.
      Benefits for family members have always been limited by the family maximum rules. The maximum family benefit is the maximum monthly amount that can be paid on a worker’s earnings record.
      See Benefits For Your Family for more information. Thanks!

  23. Thanks. Please provide information about a surviving wife’s eligibility to get social security income based on her deceased husband’s social security income if her current social security income is less than her husband’s was.

    • Thank you for your question Howard. In general, a widow can start receiving reduced benefits as early as age 60. (age 50 if disabled). Widows may have additional options. In many cases, a widow can begin receiving one benefit at a reduced rate and then, at full retirement age, switch to the other benefit at an unreduced rate. The rules are complicated and vary depending on the situation.
      In your situation, if your wife is already getting Social Security benefits as a wife based on your record, we’ll change her payments to widow’s benefits when we receive the report of death. If your wife is getting benefits on her own record, then she will have to call us or contact her local office. We’ll check to see if she can get more money as a widow. If so, she’ll get a combination of benefits that equals the higher amount. See our Benefits Planner: Survivors/If You Are The Survivor for more information.

  24. When will Congress stop stealing from the Social Security fund? Started with LBJ to fund his “Great Society”. It was only fund with a surplus. When did every other program start having to be funded by those of us who paid into Social Security which was supposed to be our retirement?

    • Claudia, Social Security is a pay-as-you-go system. Social Security taxes collected from today’s workers pay the benefits of today’s retirees. Any funds in excess of what is needed to pay today’s benefits are invested in special issue, U.S. Government, interest-bearing securities. This investment – the purchase of U.S. Government securities – is what constitutes the “borrowing” that people are sometimes concerned about. Any funds that have been “borrowed” from the Social Security Trust Funds have always been paid back in full, plus interest. Please check out our Trust Fund Frequently Asked Questions web page for more information. Thanks!

  25. I have been trying to apply for an account with SSA, because I am being asked for a state side address. I am currently living in Furth, Germany, but I do have an APO address.Can I set up an account with only this information?

    • Thank you for contacting us, Lee. The “my Social Security” authentication system requires address verification as one of the essential criteria for issuing an account. People with APO/FPO/DPO addresses can create an account overseas, but our system does not support registration and account creation for users with a foreign address yet.
      We recommend that individuals living outside the United States contact the nearest Federal Benefits Unit or U.S. Embassy in their area, for any assistance related to Social Security programs and benefits. Also, our Office of International Operations home page provides more information to assist our customers living abroad.
      We hope this information helps!

  26. I was. Ripped off for my 4 years back payments. By the hollywood vine office in los angeles. They are rude most of them that work there are from another country and wouldnt even give me a copy out of my medical file that i need to get my housing homeless they are pregidace i want to file a charges against them .i go there 3 times. Only to get nothing done that i need for my housing ….they should not work there.to much control..they have over the usa people.

  27. I am married, so when I retire at age 67, I will collect my full retirement pay, my husband will retire 5 years later. So since I have made more money than him over the years, he will get a higher retirement check. So where does that money come from? Does it come from my retirement check?

  28. Yes my question about my social security number card how login to get my social security card in to po box or post office or DHS post office or my address is a viale isonzo 11 Milan Lodi state Italian code is 20135 first name is bak last name is danso birth 01 01 1987 phone number is+39-3512302425 this information All about my social security card now

  29. It’s a shame that SSA would give this widow an allotted amount and try to take it back after they made an error. This is criminal, they need to take responsibility for their errors!!

  30. I will be 63 years old in August 2018. can I apply now for my Social Security benefit now that I am not working?

    • Our system is set up to take applications three months in advance. When ready, you can apply for your benefits online. Remember that benefits are paid the month after they are due. So, for instance, if you want your benefits to begin with the month of August, you will receive your first benefit payment in September.
      Please visit our Social Security Retirement Planner for more information.

  31. I have an ex wife who is now 62 I am 73 We were married for 12 years. She did remarry and stayed married I think for only 2 years. Is she entitled to get Social Security benefits?

    • Thank you for your question, Michael. If your marriage lasted 10 years or longer, your ex-wife may be eligible to receive benefits on your record at age 62 or older. See our Retirement Planner: If You’re Divorced for other eligibility requirements and more detailed information. Thanks!

  32. I don’t know why the online service stopped. I am trying to sign up for Medicare only, and had just began then the page disappeared. Will try again today in a while .

  33. My husband passed away in 1978 and I became disabled 2009. I could not apply for widow benefits until I turned 60 in 2014. Will my benefits go to 100% when I reach 66 years old?

    • Dianne, thank you for your question. The benefit reduction is usually permanent with some exceptions due to work. However, keep in mind that if you are also eligible for retirement benefits (but haven’t applied yet), you have an option on switching to your retirement benefit at a later date (if it’s higher than your reduced widow’s benefit). See our Survivors Planner: If You Are The Survivor for more information. To see if you qualify for a higher benefit than what you are currently receiving, use our online retirement estimator or call our toll free telephone number at 1-800-772-1213, Monday through Friday between 7 a.m. and 7 p.m. and ask a representative to assist you.

  34. I received Disability Benefits at the age of 60. My spouse continued to work. when he reached the age of 62 would he have been able to draw from my Social Security Account while working and then switch to his own Social Security Benefits at the age of 66 which is his full retirement age?

  35. If I continue to work past age 66, and make $40,000 annually, how is my SS income taxed? Would I be better served to take my spouses ss benefit in lieu of my own, since he has made more income over the years than I have. He is not yet at full retirement age for ss income for another 6 years

    • Hello Faye. Under current law, everyone working in covered employment or self-employment regardless of age or eligibility for benefits must pay Social Security taxes. For further income tax questions, you will need to contact the IRS. Their toll-free number is 1-800-829-1040.
      You may be able to get spouse’s retirement benefits if you are at least 62 years of age and your spouse is receiving retirement or disability benefits. You can also qualify for Medicare at age 65. To learn more visit “Benefits For Your Spouse“. Thanks!

  36. I am 67, receiving my SS since last year. I married a 28 year old Filipino woman this past July. She has a 6 year old daughter. How can I add them on to my SS benefits?

  37. I am not yet retirement age but I am trying to do some planning. I have consistently been fairly high income earning but now, at age 60, am finding that the higher income jobs are not being made available to me. I have accepted a dramatically lower paying job, but am concerned it will adversely impact my future benefit amount. Is there a way to ‘freeze’ my prior income amounts so my benefit will calculate from them rather than this much lower income rate?

    • Hello Theresa. Generally, when you apply for retirement benefits, we base your benefit payment on your highest 35 years of earnings and your age when you start receiving benefits. our Retirement Estimator gives estimates of monthly Social Security benefits based on your actual Social Security earnings record.
      We have a variety of calculators to help you plan for the future. Which calculator you choose depends on what you want to do.
      Also, you can create a my Social Security account online. With your personal my Social Security account, you can verify your earnings, get your Social Security Statement, and much more.
      See our Retirement Planning page for more information.
      Happy planning!

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  40. My 1st husband died in 1991. I received survivors benefits for my 2 children until they reached the age of 18. I received spousal benefits until I remarried in 1994. My question is: Can I receive my deceased husbands benefits as well as my own when I reach age 62 even though I remarried? I am divorced from my 2nd husband (the one I married in 1994) and have not remarried. Am I disqualified from receiving any benefits from my 1st husband? If so, can I received benefits from my 2nd husband (I divorced in 2010) when I reach 62? He will be 62 in 2025. I will be 62 in 2026,
    Thank you for any information you can provide me. I am just trying to working things out and find out all the information I can before it is time for me to retire!!
    So, if I am missing something, in where, I can receive any benefits along with my own, please explain any such benefits to me.
    Thank you very much again!!
    Best Wishes,
    Traci Steward

    • Hello Traci. It is possible for a person to be eligible for benefits from different records at the same time. However, we are only going to pay the highest benefit amount from either record – meaning that you will only be allowed to receive one payment.
      If you are the (unmarried/single) widow of a person who worked long enough under Social Security, you can start receiving reduced survivor’s benefits as early as age 60 (50 if disabled). If you are also eligible for retirement benefits on your own record, you may have an additional option. You can apply for retirement or survivors benefits now and switch to the other (higher) benefit at a later date.
      The earliest age you can apply for your own (reduced) retirement benefits is 62.
      Also, you may be eligible to receive benefits on your ex-husband’s record if he is entitled to Social Security retirement or disability benefits. Please visit our Retirement Planner: If You Are Divorced, then check out our publication, “What Every Woman Should Know” for more important information.
      We hope this information helps!

  41. I started taking SS in the fall of 2013 at 65. My husband had been retired 5-6 years by then. My question is can I switch to his spousal benefits which is higher than mine? Thank you.

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