Can Wife Draw Social Security Off Her Husband. Exception 1 If you marry someone who is the natural mother or father of your child the one year requirement is waived. Wives may apply to receive retirement benefits based on their husbands earnings even if they have retirement plans of their own.
If a husband or wife has been married for at least a year to someone who receives Social Security disability benefits the spouse can get Social Security benefits if the spouse is 62 years old or older. You can receive benefits as a divorced spouse on your ex-spouses Social Security record even if they remarried and their current spouse is collecting benefits based on their record. As the non-working wife of a Social Security retiree benefit recipient you can receive as much as one-half of your husbands benefit.
Most working women who reach retirement age get their own Social Security benefit because its more than one-third to one-half of the husbands rate.
The top spousal benefit is 50 percent of your husbands or wifes primary insurance amount the retirement benefit he or she is entitled to at full retirement age which is currently 66 and 2 months and is gradually rising to 67 over the next several years. Wives may apply to receive retirement benefits based on their husbands earnings even if they have retirement plans of their own. You must be at least 62 years old. Any age and caring for a child entitled to receive benefits on your spouses record and who is younger than age 16 or disabled.
