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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13283
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I a m 77 yrs old, my husband is 86. He worked until he was

Customer Question

I a m 77 yrs old, my husband is 86. He worked until he was 72 1/2. I worked until I was 621/2. We are trying to "get our ducks in a row" Will my social security be based on his social security should he expire before I do or will I continue to receive my current benefits which are considerably less because I was a "stay at home mom" while our children were growing up?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.
You can choose between a spousal benefit based on his work, or a benefit based on your own record - NOW, so generally you'd pick which ever one is greater. Since spousal is 50% or less than HIS own benefit, often one's own record will provide a great benefit, but definitely not for those that didn't work outside the home at all. Because you did work, you'd want to make sure of which is better for you currentlyShould he predecease you, then you can switch to a survivor benefit, which will be 100% of his benefit amount - if that exceeds the benefit you are taking which it sounds like it will. - We can always take the highest that we are eligible for, but not more than 1 benefit amount per person.
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mso-hansi-theme-font:minor-latin;}I hope this helps! My goal is to provide you with excellent and accurate service &ndash; if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions. Kindly rate me "excellent" when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To Stephanie O Joy Esq., ONLY" if you want me to specifically answer it. Sincerely, ***** ***** Joy, Esq.Your online legal resource!