Marriage does not reduce SSA retirement amount

Q:  My husband and I will each receive our own Social Security retirement.  Will our combined benefits be reduced because we are married? 

A:  This is a very popular question.  Your combined Social Security retirement benefits are not reduced because you are married.  

When you both receive Social Security retirement from your own work, amounts for each of you are independently calculated based on your individual lifetime earnings records and age when starting benefits, not whether or not you are married. 

You are two different people.  Your marital status is not considered when determining the amount of your own Social Security retirement amount.  Individual SSA retirement benefits to one have no role in computing the retirement amount due the other. 

Extending this, say you both receive Social Security retirement but your husband continues to work part-time.   If he exceeds the annual earnings test amount for his age, his employment earnings could be a factor in the SSA retirement payable to him, but his earnings will not be a concern for your own Social Security retirement.  It works the same way if you are working instead of him. 

When you both receive Social Security retirement from your own work, amounts for each of you are independently calculated.  Your combined Social Security retirement benefits are not reduced because you are married.

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