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Social Security Retirement Benefits

Posted on:10/21/2012
A retired worker is entitled to Social Security retirement benefits. The eligibility will depend on whether or not the job is covered under Social Security.


A retired worker is entitled to Social Security retirement benefits. The eligibility will depend on whether or not the job is covered under Social Security. Work credit is measured in quarters of coverage that a worker has accumulated in jobs covered under Social Security. The amount of earnings needed to get a quarter of coverage will increase automatically in future years to keep pace with average wages.

 

The required number of quarters merely establishes the worker's eligibility for retirement and survivors benefits. It does not determine the dollar amount of benefit checks (which is based on average earnings during working years), nor does it entitle the worker to maximum allowable monthly benefits.

 

Monthly retirement benefits are payable to the retired worker, who may elect to receive checks as early at age 62. The wife or divorced wife of the worker, age 62 or older is also entitled to monthly retirement benefits. If the woman is the primary worker, the husband or divorced husband, age 62 or older is also entitled to monthly retirement benefits.

 

Others who are entitled include the wife -- at any age -- when she is caring for a child who is under 18 or disabled, and the child is receiving benefits based on the retired worker's earnings and the worker's unmarried children -- or grandchildren under certain conditions -- if either (a) under age 18 (b) age 18-22 if a full-time student (c) age 18 or older if disabled before 22 with the disability continuing indefinitely.


  
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