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Never Worked? You May Still Be Eligible for a Social Security Benefit.

There are circumstances when someone that never worked may still be eligible for a Social Security benefit. The most common one is a spousal benefit (ex-spousal benefits if married at least 10 years). You can receive a Social Security benefit equal to up to 50% of your spouse’s full retirement age (FRA) benefit if you wait until your own FRA to claim it. You may claim it as early as age 62, but it will be reduced permanently according to your age. Your spouse must be taking their benefit for you to apply for it.

If your spouse is deceased, you will receive 100% of their benefit at their time of death as long as you have reached your FRA. There are times you may reach your full survivor benefit at a younger age, such as if your deceased spouse started taking their benefit at age 62.

Then there is Supplemental Security Income (SSI), which is not Social Security, even though it is handled by the Social Security Administration. SSI provides benefits to people who have little or no income for various reasons, and there are strict rules for qualifying for it. To read the full article by Katie Brockman on MSN.com, click here…

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