Housewives can retire at 62!

[SDET]

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed? A spousal claim does NOT reduce the primary beneficiary's payment.

Social Security Spousal Benefits: What You Need to Know

Current spouses and ex-spouses (if you were married for over 10 years and have not remarried) both have eligibility for the spousal benefit.
1 You must be age 62 to file for or receive a spousal benefit, but waiting until you are at full retirement age (up to 67, depending on when you were born) will maximize your benefit.

2 For current spouses, you must wait until your spouse files for their own benefit.

 

[year2late]

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed? A spousal claim does NOT reduce the primary beneficiary's payment.

Social Security Spousal Benefits: What You Need to Know

Again you show lack of respect for what a stay at home spouse may do. Because my profession in this area is handsomely paid (about 80 to 100 grand with benefits to boot starting) most stay at home spouses I know of are men. They cook, clean, make repairs they are capable of doing, and manage the kids. Do you think this is not worthy of a piece of the benefits? Do you not see the benefit for the working spouse and family?

You consistently show a lack of respect for this group of people. Keeping the house and family in check is a job.

And frankly, if someone is marrying a hood ornament trophy spouse....that is on him or her. You should know ahead of marriage that your future spouse has no skills and no desire to acquire such skills.

 

[Airyaman]

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed? A spousal claim does NOT reduce the primary beneficiary's payment.

Social Security Spousal Benefits: What You Need to Know

You seem to have an issue with women.

Somehow I feel the feeling is mutual.

 

[Lursa]

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed? A spousal claim does NOT reduce the primary beneficiary's payment.

Yup, a female or male spouse. Why reduce the claim when their contributions to the relationship were at least equal?

Here in America, most married women work and do all the cooking, cleaning, and much of the child rearing. With NO days off, including weekends.

 

[SDET]

The only problem is when the housewife doesn't apply for the benefits and leaves money on the table. I bet that happens a lot.

The negative replies above are weird, by the way.

Yup, a female or male spouse. Why reduce the claim when their contributions to the relationship were at least equal?

Here in America, most married women work and do all the cooking, cleaning, and much of the child rearing. With NO days off, including weekends.

 

[Lursa]

The only problem is when the housewife doesn't apply for the benefits and leaves money on the table. I bet that happens a lot.

So then you are backing away from your OP statement, as inaccurate?

Why is it a problem and why do you believe it happens 'a lot?'

 

[SDET]

Why would I back away from factual information? I was doing some retirement planning and thought someone else here could use the information. I have a duty to avoid my wife being destitute after I die and discovered that she can collect Social Security benefits while I'm still alive.

So then you are backing away from your OP statement, as inaccurate?

Why is it a problem and why do you believe it happens 'a lot?'

 

[CaughtInThe]

You seem to have an issue with women.

Somehow I feel the feeling is mutual.

A bunch of those guys can work a cell phone but not a woman.

 

[Lursa]

Why would I back away from factual information? I was doing some retirement planning and thought someone else here could use the information. I have a duty to avoid my wife being destitute after I die and discovered that she can collect Social Security benefits while I'm still alive.

So why is it post-worthy? You clearly implied that spouses were getting something for 'nothing.' I corrected you and you didnt counter that.

And again, why is this a problem? What makes you 'bet' it happens a lot?

The only problem is when the housewife doesn't apply for the benefits and leaves money on the table. I bet that happens a lot.

 

[Lursa]

The negative replies above are weird, by the way.

There was nothing negative about my post, it was strictly informational.

 

[Lursa]

What's even more amusing is imagining that those caregiving 'spouses' ever retire :doh

 

[SDET]

I stumbled across that when I was gathering information.

Breaking Down The Complex World Of Social Security Spousal Benefits

Many people are familiar with how their own Social Security benefits work – but fewer are aware of how spousal benefits work. And spousal benefits can be complex with numerous claiming options and factors to consider.

So why is it post-worthy? You clearly implied that spouses were getting something for 'nothing.' I corrected you and you didnt counter that.

And again, why is this a problem? What makes you 'bet' it happens a lot?

 

[Amelia]

Um ... I'm not seeing why SDET is getting attacked here.

This is probably the most valuable post he has ever made.

 

[ttwtt78640]

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed? A spousal claim does NOT reduce the primary beneficiary's payment.

Social Security Spousal Benefits: What You Need to Know

Of course, the primary beneficiary must be dead for the surviving spousal benefit to fully apply. It is essentially in place of continuing to pay the deceased spouse. If the spouse is still alive then the spousal benefit is only 1/2 of their SS benefit (if that exceeds their own).

Since my girlfriend qualifies for that spousal benefit from her ex-husband (who is 9 years older than I am) we will not marry, thus if (when?) he dies she gets a raise of about $1K/month in her SS retirement by assuming the surviving spousal benefit.

 

[SDET]

Mine will unless she wants her check for "mad money". If we retire in Brazil, she can get a housekeeper for USD 250 per month, full time. We were just talking about that. She doesn't think that she has it in her to be somebody's boss.

What's even more amusing is imagining that 'housewives' ever retire :doh

 

[Tanngrisnir]

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed? A spousal claim does NOT reduce the primary beneficiary's payment.

Social Security Spousal Benefits: What You Need to Know

Seriously, why do you hate women to the core of your very being?

 

[Lursa]

I stumbled across that when I was gathering information.

Breaking Down The Complex World Of Social Security Spousal Benefits

So you posted the same thing again and still didnt answer any of my questions. Why is that?

 

[Lursa]

Um ... I'm not seeing why SDET is getting attacked here.

This is probably the most valuable post he has ever made.

I havent, I've been trying to clarify why he posted the OP:

Yup, a female or male spouse. Why reduce the claim when their contributions to the relationship were at least equal?

The only problem is when the housewife doesn't apply for the benefits and leaves money on the table. I bet that happens a lot.

Why is it a problem and why do you believe it happens 'a lot?'

He keeps avoiding direct answers.

 

[SDET]

Trying to keep the thread on-topic, perhaps.

So you posted the same thing again and still didnt answer any of my questions. Why is that?

 

[SDET]

Simple: I posted it wondering if anyone here might be overlooking available cash.

I havent, I've been trying to clarify why he posted the OP:




He keeps avoiding direct answers.

 

[Lursa]

Simple: I posted it wondering if anyone here might be overlooking available cash.

You were imagining that spouses were not applying for SS here in the US when they lose their loved ones?

 

[SDET]

They don't have to wait until they lose their loved ones! They can apply while their spouse is still living.

You were imagining that spouses were not applying for SS here in the US when they lose their loved ones?

 

[Airyaman]

Um ... I'm not seeing why SDET is getting attacked here.

This is probably the most valuable post he has ever made.

That's sad.

 

[Lursa]

They don't have to wait until they lose their loved ones! They can apply while their spouse is still living.

Ah, that's what I originally thought but then someone wrote otherwise. My mistake. I even changed my post to accommodate that...incorrectly.

 

[ecofarm]

The negative replies above are weird, by the way.

Your verbiage is telling.

Did you know that a spouse can draw 35-50% of her husband's Social Security benefit in spite of never having been employed?

She's not drawing from his benefits. They are her benefits, rightfully earned and due. He didn't do that for her. She did that. Your verbiage there refers to a gleaning subservient.

Never having been employed? Try never having been formally employed. Your verbiage there belittles the work of home makers.

So, while you might not see it, I and others see a framework of gleaning subservient that never worked in your verbiage.