Social Security


Q. I’m 58 and my wife is 64. My dilemma is that my wife has never worked since she had to take care of our disabled son. I would like my wife to apply for Social Security benefits from my account so we can have extra income.

My major concern is that if my wife is approved and she begins receiving the Social Security benefits, what would happen if I died? Would she be stuck with the benefits she agreed to, or would she be able to receive the amount meant for me? According to what I would receive, that would be approximately $1,950.

A. Yes, but only when you reach your minimum retirement age, which is 56.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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