I am not expert on SS, but if you sister worked for 40 quarters, she may be able to claim a discounted amount based on her own wages. It may not be much, but if eligible it would be more than zero.She also needs to understand the permanent reduction that results from claiming before full retirement age Later she will be able to claim SS based on her husband's SS. If her SS payment is less than what she will be eligible under her husband's, claiming hers now may not result in a reduction of benefits.
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