In last week’s column, I presented a brief overview of the Social Security rules that apply to women. Today’s column has some common questions that I get from women that will help clarify those rules. Q: Every woman I know is getting half of her husband’s Social Security. But I’m getting nowhere near that. Why don’t I get half? A: Although each questioner will phrase her inquiry differently, this is probably the most common question a woman will ask me. A woman will get half of her husband’s Social Security (assuming it is more than her own retirement benefit) if she waits until her full retirement age to claim spousal benefits. My guess is that you started your benefits before then. If you took them at age 62, for example, you should be getting about one-third of your husband’s Social Security. And frankly, I doubt if “every woman (you) know” …
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