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Social Security
Q. and A.
According to Mrs. Hazel F. Crumpton, manager of the Winchester Social Security office, questions and answers are an effective way of helping people understand social security. Questions from women, and appropriate answers are featured in this column.
Q. I have never worked under social security. Can I qualify for any benefits based on my husband’s work?
A. If your husband is getting retirement or disability benefits, you will be eligible for wife’s benefits, if you are 62 or older. If you are under 62 you can also collect benefits if you have in your care a child under 18, or one disabled before 18, who is entitled to child’s benefit based on your husband’s social security record.
Q. Can a woman get both herj own social security retirement benefit and also the full wife’s benefit based on her husband’s! work? j
A. No. She gets her own1 retirement benefit. But if thej amount of the wife’s benefit! based upon her husband’s social1 security record is higher the difference is added to her retirement benefit--in effect, she gets the higher of the two' benefits.
Q. What advantage is there to a, working wife building up her own] social security protection?
A. For one thing, she will not have to wait until her husband retires to get her benefits. She can take her retirement benefits as early as age 62 - whether or not her husband is drawing benefits at the time. Benefits to a dependent wife cannot start until the husband is on the social security benefit rolls. Another point - a woman getting her own benefit will be paid even though her
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