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Subject:  Re: Social Security questions Date:  12/6/2012  12:03 AM
Author:  alstroemeria Number:  18099 of 20632

Doesn't the lower earner usually receive 50% of the higher earner's SS benefit?


Sorry, I just now noticed this post (I'm that rare bird who reads threaded and only occasionally goes back to see about additonal posts to older threads).

IF the lower-paid spouse earned less than half the SS benefit of the higher-paid spouse, then, yes the automatic 50% benefit is given to the lower-earnin spouse. This is almost always the case in pre-Boomer generations. A nice freebie for low-earning/non-working spouses! But I worked and earned more than half of DH's benefit. If he starts collecting SS on his 64th bday and I start mine 5 months later on my 64th (my current plan), I will receive 75% of his benefit.
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