Certain family members may be eligible to receive benefits on your record if you receive Social Security retirement benefits. Your ex-spouse, spouse, or child may be eligible to receive a monthly payment equal to half of your retirement benefit amount if they meet certain requirements. The amount of your retirement benefit will not be reduced by these Social Security payments to family members.
The amount we can give your family has a cap. Depending on your benefit amount and the number of eligible family members on your record, the total varies. Typically, the maximum amount that you can get is between 150 and 180 percent of your total retirement benefit for you and your family. It won’t have an impact on how much benefits you or your family may get if you have a divorced spouse who is eligible.
While most people associate Social Security with working and paying into the system, there are situations where individuals who haven’t worked can still receive benefits. Here’s a breakdown of the scenarios:
Spousal Benefits:
- Married to a Beneficiary: If you’re married to someone who is eligible for Social Security, you can collect spousal benefits equal to 50% of their benefit amount at full retirement age (FRA). This applies even if you haven’t worked and haven’t contributed to the system yourself.
- Divorced from a Beneficiary: If you were married for at least 10 years to someone who is eligible for Social Security, you may be able to collect spousal benefits based on their earnings record, even if you’ve remarried. However, the amount you receive will be reduced if you are eligible for benefits based on your own work record.
Survivor Benefits:
- Children of Deceased Workers: If you are the child of a deceased worker who was eligible for Social Security, you may be eligible for survivor benefits. These benefits are available to children under 18, or up to age 19 if they are still in high school, and to disabled children of any age.
- Widows and Widowers: If your spouse died while working and paying into Social Security, you may be eligible for widow’s or widower’s benefits. The amount you receive will depend on your age and whether you have dependent children.
Other Situations:
- Government Pension Recipients: Some government employees who are not covered by Social Security may be eligible for benefits based on their spouse’s earnings record.
- Non-Citizen Spouses of U.S. Citizens: If you are the non-citizen spouse of a U.S. citizen who is eligible for Social Security, you may be eligible for benefits based on your spouse’s earnings record.
Important Considerations:
- Full Retirement Age: To receive the full amount of spousal or survivor benefits, you must wait until your full retirement age. If you claim benefits before then, the amount you receive will be reduced.
- Earnings Limits: If you are receiving spousal or survivor benefits and you start working and earning income, your benefits may be reduced or even stopped.
- Taxation: Social Security benefits are taxable, so you will need to pay taxes on a portion of the benefits you receive.
Additional Resources:
- AARP: Can You Collect Social Security If You Never Paid Into It?
- Investopedia: 8 Types of Americans Who Aren’t Eligible to Get Social Security
While it’s generally true that you need to work and contribute to Social Security to receive benefits, there are exceptions for spouses, survivors, and certain other individuals. If you’re unsure whether you qualify for benefits, it’s best to contact the Social Security Administration for more information.
Benefits For Your Spouse
If your spouse is at least 62 years old and you are receiving retirement or disability benefits, they may be eligible for benefits even if they have never worked for Social Security. Your spouse can also qualify for Medicare at age 65.
Benefits For Your Divorced Spouse
Even if you have since remarried, your ex-spouse may be eligible for benefits based on your record if you are divorced if:
- Your marriage lasted 10 years or longer.
- Your ex-spouse is unmarried.
- Your ex-spouse is age 62 or older.
- The benefit your ex-spouse would receive based on your work is greater than the benefit they are entitled to receive based on their own work.
- You are entitled to Social Security retirement or disability benefits.
Can a person who has never worked collect social security?
FAQ
Will you get Social Security if you never worked?
What happens if you don t have enough credits for Social Security?
Can a wife who never worked collect Social Security?
Do stay at home moms get Social Security?
Can I get Social Security benefits if I’ve never worked?
In order to be eligible for Social Security benefits, you generally need to have worked and paid payroll taxes for at least 10 years. However, there are a few ways you can collect benefits even if you’ve never worked a day in your life. Image source: Getty Images. 1. Spousal benefits
Can a spouse claim social security if he never worked?
If your spouse is eligible for Social Security benefits, you may qualify for benefits based on his or her work record — even if you’ve never worked. With spousal benefits, you can collect up to 50% of the amount your spouse is entitled to receive by claiming at his or her full retirement age (FRA).
Can you get Social Security benefits without a work record?
You could still be entitled to benefits even without a work record. For many retirees, Social Security benefits are a lifeline. But in order to qualify for benefits, you have to have worked and paid Social Security taxes for at least 10 years. If you haven’t worked that long, though, you may not be out of luck.
Who can collect Social Security benefits without paying into social security?
The only people who can legally collect benefits without paying into Social Security are family members of workers who have done so. Nonworking spouses, ex-spouses, offspring or parents may be eligible for spousal, survivor or children’s benefits based on the qualifying worker’s earnings record.