I realize you have a question about social security. My goal is to help you better understand your options.

Thank you for your question, and thank you for your service to our country.

Unfortunately, there's no way to pay for social security coverage - you either have enough credits based on your work record, or you don't. It stinks, but that's the way the program is designed. I am not sure why the social security administration would indicate that you could pay in to the system.

12 quarters is equal to three years - you could work an additional 3 years to qualify for benefits.

However, if you are married you can receive spousal benefits based on your spouses earning record. The benefit is equal to 50% of your spouses benefits if you draw at full retirement age. You qualify for this benefit based on an ex-spouses earnings record if you were married for 10 years or more and did not remarry before the age of 60. If you are a widower, you can draw a benefit equal to 100% of what your late spouse would have drawn.

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