A worker usually needs 40 work credits at age 62 in order to apply for Social Security retirement benefits. That’s work for ten years. Still, you can only do this after working. Many people in the United States can’t work for a number of reasons. There are people who have taken care of their children and people who have worked in jobs that were not covered by SSA or even in a different country.
Who can get Social Security if they’ve never worked? People who are married may be able to get benefits based on their spouse’s record. Of course, they will have to follow a number of rules.
When can a spouse receive Social Security payments?
Check it out if your spouse has worked enough to get retirement benefits and is about to retire while you have never worked. If a worker applies for retirement benefits, their spouse may also be able to get them.
Of course, your benefit payment will depend on how much the worker made. The spouse must be at least 62 years old, according to the Agency. Suppose the worker is 62 years old and the spouse is 61 years old. The spouse is not yet eligible.
If you have a qualifying child, you may be able to get spousal benefits from Social Security even if you are not 62 years old. The SSA says that a child who is under 16 and getting disability benefits is a qualifying child.
How much can Social Security spousal benefits be?
It was confirmed by the administration that the spousal benefit can be up to half of the worker’s main insurance amount. This will depend on how old the spouse is when they retire.
Remember that spousal benefits will be cut if the spouse starts getting Social Security before they reach Full Retirement Age. You will get the full amount because you have to care for a qualifying child. Your benefits will not be cut.
As of October 2024, the normal amount of money for a spouse is $910. Just so you know, payments to family members do not lower the amount of money a worker gets when they retire.
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