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What you have been informed of is the following:
Most women are potentially due two benefits: her own retirement benefit and wife’s benefit on your husband’s record.
But you only get the one that pays the higher rate, not both.
A wife is due between one-third and one-half of her husband’s Social Security. However, most working women who reach retirement age get their own Social Security benefit because it’s more than one-third to one-half of the husband’s rate.
However, if you were to die before your spouse, she can apply for the higher widow’s rate.
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