5 things that every woman should know about social security

With regard to social security, women should know a lot about things. Here are five of the most important social security messages that every woman should know.


1. Nothing can stop you from getting your social security benefits


If you have been working for at least 10 years and have earned at least 40 work credits, then you are part of the social security system. Once you are 62 years old, whether you are married or not, whether your husband receives social security payments, you are eligible for your social security payments. Your retirement benefits are calculated in the same way as men's retirement benefits. This is based on a percentage of your monthly average salary, using a 35-year income base. If you don't have 35 years of income, we must replace the 35-year base with zero years. If you are disabled before retirement, you may be eligible for social security disability benefits if you work for five years and pay social security taxes for the past ten years. If you do not pay social security taxes (such as civil servants or teacher pensions), your social security benefits may be reduced.


2. There are no marriage penalties or welfare restrictions for married couples


If you are married, you and your husband have worked, and each of you will get your own social security benefits. A professional woman is not limited to half of her husband's social security. (This ratio applies to women who have never worked outside the home.) For example, if you receive $1,200 in social security benefits per month and your husband should receive $1,400 in social security benefits each month, you will be monthly. Received $2,600 in retirement benefits.


3. If you have two benefits, you will get a higher interest rate, not both


Most women may receive two benefits: your own retirement benefits and the wife's benefits in your husband's record. But you can only get one paying a higher rate instead of two. The wife should expire between one-third and one-half of her husband's social insurance. Most professional women who reach retirement age have access to their social security benefits because they outweigh one-third to one-half of their husbands. But if your husband died before you, you can apply for a higher testament rate. (See the number 5 below).


4. If you are divorced and married for at least 10 years, you are eligible for some social security from your predecessor

Divorced women who have been married for at least 10 years are eligible for social security if they are unmarried when they are eligible for social security. Some women signed the divorce decree and gave up their former husband’s social security rights. If you are married for more than 10 years, the terms of the divorce decree are worthless and will never be enforced. Any benefits paid to a divorced spouse will not reduce the amount paid to the predecessor or any money the former incumbent spouse should pay when remarried. In general, the rules for payment of divorced wives and widows are the same as those of current wives and widows. This means that most divorced women can receive their social insurance when their ex-husband is still alive, but they can apply for higher wills after he dies.


5. When your husband (or ex-husband) dies, you may get the benefit of a widow


The age of the will is between 71% (60 years old) and 100% (completely retired) before the husband's death. However, we must first pay for your own retirement benefits and then supplement it with the extra benefits that you should be a widow to make your social security benefits meet the widow's standards. If you live with him when your husband dies, we can also pay you a death insurance of $255. If you make more money than your husband, then if you die before him, he may get a coward's interest in your record.

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