Can I take my husband's Social Security instead of mine?

Your full spouse's benefit could be up to 50 percent of your spouse's full retirement age amount if you are full retirement age when you take it.

blog.ssa.gov - Understanding Spouse's Benefits - Social Security Matters

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January 24, 2019 • By Jim Borland, Acting Deputy Commissioner for Communications

Last Updated: May 25, 2021

Marriage is a cultural institution that exists all over the world. Having a partner means sharing many things including a home and other property. Understanding how your future retirement might affect your spouse is important. When you’re planning for your fun and vibrant golden years, here are a few things to remember: Your full spouse’s benefit could be up to 50 percent of your spouse’s full retirement age amount if you are full retirement age when you take it. If you qualify for your own retirement benefit and a spouse’s benefit, we always pay your own benefit first. You cannot receive spouse’s benefits unless your spouse is receiving his or her retirement benefits (except for divorced spouses). If you took your reduced retirement first while waiting for your spouse to reach retirement age, when you add spouse’s benefits later, your own retirement portion remains reduced which causes the total retirement and spouses benefit together to total less than 50 percent of the worker’s amount. You can find out more on our website. On the other hand, if your spouse’s retirement benefit is higher than your retirement benefit, and he or she chooses to take reduced benefits and dies first, your survivor benefit will be reduced, but may be higher than what your spouse received. If the deceased worker started receiving reduced retirement benefits before their full retirement age, a special rule called the retirement insurance benefit limit may apply to the surviving spouse. The retirement insurance benefit limit is the maximum survivor benefit you may receive. Generally, the limit is the higher of: The reduced monthly retirement benefit to which the deceased spouse would have been entitled if they had lived, or 82.5 percent of the unreduced deceased spouse’s monthly benefit if they had started receiving benefits at their full retirement age (rather than choosing to receive a reduced retirement benefit early). Knowing how your finances affect your spouse’s can help both of you avoid future impacts on your incomes. When it comes to information, we have over 80 years of experience. Access a wealth of useful information by visiting our benefits planners.

Tags: retirement, Social Security benefits

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What is a fancy word for argue?

The words debate and discuss are common synonyms of argue.

merriam-webster.com - 183 Synonyms & Antonyms of ARGUE | Merriam-Webster Thesaurus

argued that the project would be too costly

The words debate and discuss are common synonyms of argue. While all three words mean "to discourse about in order to reach conclusions or to convince," argue implies the offering of reasons or evidence in support of convictions already held.

How does the verb argue contrast with its synonyms?

When is it sensible to use debate instead of argue?

While in some cases nearly identical to argue, debate suggests formal or public argument between opposing parties; it may also apply to deliberation with oneself.

debated the merits of the amendment

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