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Non-Working Spouses and Social Security - MSN.com

If you are currently married, or an ex-spouse who was married for at least ten years, you can get a spousal benefit whether you worked or not.

If you were a stay-at-home spouse who stayed home and took care of the children, or never worked, you become eligible for a spousal benefit at age 62. If you are a current spouse, your spouse must be taking their own Social Security benefit for you to receive it. If you are an ex-spouse and divorced for at least two years, your ex-spouse only needs to be at least 62 or on Social Security Disability (SSDI).

To receive your full spousal benefit that equals 50% of 100% of your spouse’s full retirement age (FRA) benefit, you must wait until you reach your FRA to start your benefits.

Another spousal benefit available is the child-in-care benefit. To be eligible for this benefit, you must have a child under the age of 16 or an adult disabled child before the age of 22. There is no length of marriage requirement for an ex-spouse. To read the article on MSN.com by Kaili Killpack, click here …

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