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My mother took the spousal benefit for 10 years after my dad died.

She was someone who worked about 8 years before getting married.....then didn't work for the next 15 or 17 years until the kids were in college and they needed the money to pay for college......then she worked until she was 59..when my dad took disability at age 60.

She also got most of his pension since that is how they had taken it. Less per month while both alive. But it continued after his death. She got to collect on it for another 10 years. (22 years of pension paid).

So my mom probably worked maybe 22 years or so....never would have had it easy if she had to depend only on SS.......and she likely never maxed out......she had secretarial type jobs. Executive secretaries didn't make fantastic pay.

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