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 Social Security Survivor Benefits- The Thing Women Should Know AboutWhen Social Security was established back in 1935 it was normal for women to remain inside home to raise the family. In most families the husband was the higher earner or the only earner in the family. In addition, women statistically survive longer than men, especially if the wife is younger than the husband.The combination of lower or no income and a longer life span implied many women found themselves in poverty when their husbands died, as their husband's Social Security retirement benefits ended at their death. The Social Security Board realized the challenges that women face and have implemented several changes to the system over the years to account for these requirements. One important amendments to the Social Security system was to allow women to apply for benefits at age 62 instead of waiting until 65 under the theory that they were younger than their husbands and that they would want to retire at the same time. Then in 1939 two other categories of benefits were included: Social Security survivor benefits and dependent benefits (payable to the spouse and minor children of retired workers). These changes changed Social Security from a retirement program that only paid benefits to retired workers into a family-based program, where spouses and children may receive benefits of retired, disabled or departed workers. This was a tremendous help to women who did not qualify for retirement benefits on their own, or who had considerably smaller benefits than their spouses. Today, even though it's not uncommon for women to earn as much or more than their husbands, they however may take time off to look after families, and they still statistically live longer than their spouses. In addition, the number of divorced women reaching retirement age is greater than before. Because of this, many women still receive Social Security spousal benefits or survivor benefits rather than benefits depending on their own work records. So it's important for women - regardless of their marital status is - to understand the spousal and survivor benefits available to them along with the retirement benefits so they can enjoy the maximum benefits they are entitled to. Social Security Benefits: A Helpful Discussion On Conditions To Obtain The Benefit & How To Collect After A Family Member's Death The loss of a family member can be devastating, both emotionally and financially. Social Security is meant to be a survivor program as well as a retirement program. Most people are aware of Social Security retirement benefits, but are you aware that there are Social Security death benefits as well? Don't Forget About The Social Security Spousal Benefit Can a spouse collect on her husband's social security if she reaches retirement age before her husband? No. In order for a wife to collect Social Security benefits on her husband's earnings the following requirements must be met: Some Vital Particulars That You Should Know About Social Security Spouse Benefits When most people think about Social Security, they naturally think of retirement benefits. However about 1/5 of all Social Security benefits are spousal or survivor benefits, so when you're planning for retirement, it's important to consider the fact that you or your spouse may collect Social Security survivor benefits Learn How To Improve Your Own Credit Check Score In 5 Painless Methods Having a good credit check score is an absolute must in today's lending environment. In this lagging economic environment, your credit check score is certainly more important than ever. Brand New Regulations Suggest Much More Men And Women Doing Roth IRA Conversions In 2010 As we near the end of 2010, countless people have already done Roth IRA conversions, and many others are questioning if a Roth IRA conversion in 2010 is the right move for them. Social Security Benefits: A Few Vital Details On Cost Of Living Adjustment For the second year in a row people who rely on Social Security will not be receiving a cost of living increase. This is only the second time since the cost of living adjustment (COLA) was adopted that recipients have not received an increase. Few Important Tips- To Learn About Getting A 401K Plan. Retirement income is often referred to as the three-legged stool because traditionally retirement income has come from three sources: pensions, Social Security and your own savings. Well, the three-legged stool is looking pretty lopsided for many people these days as pensions become extinct and Social Security changes take place. Important Information And Facts About Financial Planners There are many different types of financial planners. Not only are financial advisors compensated differently, but the services they provide vary quite a bit as well. Here is a quick summary of the different types of financial advisors and how they can help you. Social Security Widow Benefits - What Occurs To Your Social Security Income When A Spouse Passes Away When Social Security was first established, it only paid retirement income to workers who qualified. It was later amended to include benefits for spouses and survivors, which made it more of a family or insurance plan, instead of just a retirement plan. Other Readings
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