My girlfriend and I have been living together for 5 years. I'd like to get maried, she dosn't. her latest reason was, How bout when we retire? wouldn't you rather the both of us get the full
social security then get one that's combined? Is that true? Do we get less if we get married?
2007-12-29 03:30:01 · 10 answers · asked by MARTY A 2 in Family & Relationships ➔ Weddings
When each member of a married couple works in employment covered under Social Security and they meet all other eligibility requirements to receive Social Security retirement benefits, their lifetime earnings are calculated independently to determine their Social Security benefit amounts. Therefore, each spouse receives a monthly benefit amount based on his or her own earnings. Couples are not penalized simply because they are married. If one member of the couple earned low wages or failed to earn enough Social Security credits (40) to be insured for retirement benefits, he or she may be eligible to receive benefits as a spouse.
2007-12-29 04:14:33 · answer #1 · answered by momofoneson 3 · 0⤊ 0⤋
How about saving for your own retirement. If you are married, you have less taxes taken out and can put that money into investments to ensure your future financial success. As far as I know, social security is based on your income, not household income. You should get the same check no matter what.
But for most of us younger people, chances of social security even being there when get old enough to use it is not looking very good.
Sounds like she is just making up stupid excuses to hide the real reason why she doens't want to marry. Maybe she is actually scared to get married. Don't force her into it, but try to find out why she doesn't want to. If you force her, you will only end up divorced hating each other. But figure out why she doesn't want to commit, or be happy with the situation you have.
2007-12-29 03:36:49 · answer #2 · answered by Meghan 7 · 2⤊ 1⤋
If your GF is worried about income, just remind her that there a lot of benefits to getting married. You guys would be able to combine dental and health insurance policies. You can get discounts on auto insurance, memberships, etc. Offer to start a joint retirement account so that you may both contribute to your retirement and see what she says. If she still has excuses then maybe you should reconsider whether or not she is really looking to have a long-term relationship with you.
2007-12-29 04:07:56 · answer #3 · answered by Anonymous · 1⤊ 0⤋
It sounds like she would rather not get married! I've heard many excuses but this is a first!!! Your SS income will be determined by your own personal income over the years. You both will recieve the percentage that you have personally accumulated over all the years of employment. It makes no difference that you are married or not!
Tell her that it would make no difference whether you're married or not cuz it's based on one's own personal contribution from our own personal income. Then ask her to marry you regardless and find out if she loves you in reality!! I hope so! Good Luck!
2007-12-29 03:41:24 · answer #4 · answered by itzybit_303 2 · 1⤊ 1⤋
Unfortunately the government thinks it's fair to penalize the woman if she gets married. You will only receive about half of your husband's SSA at retirement. This is totally unfair but that's how it is. I know several couples who divorced before retirement age to prevent this from happening to them. They continued to live as a couple but without the woman losing half of her retirement benefits. I've also known of people who want to marry but face this issue and opt instead to have their relationship blessed by a priest to prevent the woman being penalized.
2007-12-29 04:32:41 · answer #5 · answered by missingora 7 · 0⤊ 0⤋
How divorce impacts survivors advantages in the journey that your divorced better half dies, you will get carry of advantages as a widow/widower if the marriage lasted 10 years or longer and you're age 60 or older (or age 50 whilst you're disabled.) advantages paid to a surviving divorced better half who's 60 or older (age 50 if disabled) won't impression the earnings costs for different survivors receiving advantages. How remarriage impacts survivors advantages in many cases, you could no longer get carry of survivors advantages in case you remarry till now the age of 60 except the latter marriage ends, no count if via loss of existence, divorce, or annulment. in case you remarry after age 60 (50 if disabled), you could carry mutually advantages on your former better half's checklist. once you attain age 62 or older, you will get retirement advantages on the checklist of your new better half in the event that they're greater. Your remarriage could haven't any result on the advantages being paid on your babies.
2016-11-26 00:57:03 · answer #6 · answered by ? 4 · 0⤊ 0⤋
It doesn't matter what your marital status is, as far as I know. It goes off of whatever you have individually earned throughout your working lives. Also, how does she know that either of you won't be getting some kind of pension through a job?? Sounds like an excuse to me.
2007-12-29 03:34:55 · answer #7 · answered by jessiekarma 4 · 1⤊ 1⤋
Check with the SS office in your state
2007-12-29 03:37:49 · answer #8 · answered by Gerry 7 · 0⤊ 0⤋
Sounds like she may have committment phobia! Just propose and see what she really says.
2007-12-29 03:35:01 · answer #9 · answered by Anonymous · 0⤊ 1⤋
Her reasons are stupid and I think she just doesn't wanna get married !
2007-12-29 03:34:05 · answer #10 · answered by IT'S JUST ME ! 7 · 1⤊ 2⤋