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How Social Security rules harm the two-earner household

Marlene Satter of BenefitsPro addresses the issue of women in the workforce and how that has changed since Social Security was enacted in the 1930s.  Women now remain single for longer, and many more women are employed outside the home.  However, she notes Social Security’s benefit structure designed for women has not kept up with that changing status.  Satter states, “because of Social Security’s progressive benefit formula—which provides a higher benefit relative to earnings for lower earners—the average two-earner couple has a ‘Social Security replacement rate’ that is not only lower than the one-earner couple but also significantly below the rate for single women.”  Read the full piece here.

The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security. This service provides guidance in understanding the complexities of Social Security and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options. Learn more about this service via the Foundation’s website.



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