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The messy math of Social Security spousal benefits

Jim Blankenship’s piece here reminds readers that Social Security goes beyond just what people have earned over their lifetime of paid employment, especially when it comes to married couples.  Quite often there is a significant difference in the lifetime earnings records for two married people.  One spouse often has a much larger benefit than the other.  When this occurs, Social Security’s rules have a way to make up for the foregone benefits of the lower earner, by adjusting the available benefits based upon the higher earning spouse’s earnings.  Blankenship cites examples.  See 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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