Generally, a worker needs 10 years of work to receive Social Security benefits in retirement. The Administration may allow you to get disability benefits (SSDI) if you are younger than 62 and have not worked for 10 years.
However, it is possible to receive money from Social Security even if you have never worked. This could happen in 2 different situations. So, let’s have a look at them to see if you qualify for any of the 2.
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SOCIAL SECURITY IF YOU HAVE NEVER WORKED
Some people may have never paid payroll taxes to the Administration. Sometimes it is a life decision, on other occasions, it simply has not been possible for whatever reason.
However, they have been married to a worker who has paid enough taxes to SSA. Thus, if you are in this situation or your spouse is, it may be possible to qualify for benefits
Therefore, a person who has never worked can receive benefits on a spouse’s record. What is more, an ex-spouse or even your children could get money from Social Security if they meet the necessary requirements. Spousal benefits are a reality in the USA.
WILL SOCIAL SECURITY BENEFITS DECREASE FOR MY SPOUSE?
Whether a spouse, a child, or an ex-spouse receives Social Security, it does not affect the worker’s payments. Therefore, this person will not get less money once you apply for them.
This monthly payment can only be up to one-half of the worker’s retirement benefit amount says Social Security. Spouses and children can receive retirement benefits or survivor benefits.
So, if the worker passes away, family members can collect a payment too. Spouses can get $911 on average while children $892. Survivor benefits can give widows and widowers with kids about $1,263 on average. Survivor benefits for children can be about $1,105.