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Extra Earnings Don't Always Translate to Extra Benefits Q: I know my Social Security benefits will be based on my last five years of earnings before I retire. But here is the problem. I am 60 years old and have just been laid off by my employer. I have few if any prospects of getting another job. I plan …Read more. The So-Called 'New' Social Security Rules Are Actually the Old Rules There is just so darn much misinformation out there about new Social Security rules. These rules have to do with the eventual elimination of the maximizing strategies known as "file and restrict" and "file and suspend." Every single day, I get …Read more. How to Deal With the Social Security Earnings Penalties I've gotten more than a few emails recently from Social Security beneficiaries who are under age 66 and still working and who are trapped in the web of Social Security's convoluted earnings penalty rules and the way they are administered. Those …Read more. Long Gone Husband May Mean Extra Social Security to Some I gave a couple women very nice Christmas presents over the recent holiday season. And I'm not talking about the lingerie I got my wife or the coffee maker I got my daughter. I'm talking about the gift of extra Social Security benefits I got for two …Read more.
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No Marriage Penalty Under Social Security


Q: I am living with a man and have been for many years. The reason we have never gotten married is that we heard our Social Security benefits would be cut if we tie the knot. Is this true?

A: No, it is NOT true. That's just one of the many "urban myths" that exist about Social Security. There is no marriage penalty under Social Security law.

Another myth holds that there is some kind of maximum limit that a married couple can draw. That also is untrue. I have some very well-to-do neighbors. Both the husband and wife worked at high paying jobs all their lives. And each of them receives about $2,400 per month in Social Security retirement benefits on their own account.

So both you and your male friend will continue to receive the same Social Security benefits whether you are simply living together or whether you are married.

By the way, I am assuming each of you receive your own Social Security retirement benefit. However, if you are getting Social Security benefits from a prior husband's record, then there could be a problem if you got married, depending on the type of benefit you are getting.

If you are getting a divorced wife's benefit from a former husband, that benefit will stop when you remarry. However, you would be able to get a wife's benefit from your new husband.

If you are getting a widow's benefit from a first husband who has died, and assuming you are over 60 years old, you will continue to get that widow's payment even if you marry the gentleman with whom you are living. A long time ago, the law said that widows would lose their benefits when they remarried. Congress got embarrassed by frequent media reports of couples "living in sin" due to fear of losing Social Security widow's checks if they did get married. So about 30 years ago, they changed the law to say that women over age 60 could remarry and keep their widow's benefits. Even though that rule has been on the books for three decades now, many women don't know that remarriage after age 60 will not terminate their widow's benefits.

Q: You have written many times about the 32 percent bonus people get if they delay retirement until age 70. Well, I retired at age 70, about 20 years ago, and I don't remember getting such a bonus.

Has the law changed?

A: Yes, the law has changed over the years, primarily because of changes to the retirement age. But ever since 1972, there has been some kind of bonus paid to folks who delay collecting Social Security benefits beyond their full retirement age.

Those bonuses started in 1970. At that time, the retirement age was 65. People got a "delayed retirement credit" of one-twelfth of one percent for each month they put off starting their benefits between ages 65 and 72.

In 1981, the delayed retirement bonus was increased to one-fourth of one percent for each month benefits were not taken between ages 65 and 72.

When the full retirement age began to go up from 65 to 66, the delayed retirement bonus applied only to those years between the full retirement age month up to age 70 (note: no longer age 72).

And finally, beginning in 2004, the bonus was changed to two-thirds of one percent for each month between ages 66 and 70. That comes out to eight percent per year or 32 percent if you delay collecting Social Security benefits until age 70.

Q: You responded to a past email of mine by telling me that my benefits would be reduced by "about one-half of one percent" for each month I start my Social Security before age 66. I plan to take my Social Security at age 62. But someone at the Social Security office told me the reduction actually was five-ninths of one percent. So who is right?

A: You must be an engineer, right? Or maybe some kind of accountant? To a guy like me, five-ninths of one percent is "about half of one percent." But to a guy like you, I guess it's not.

The reason I don't specifically quote the "five-ninths of one percent" reduction is because it doesn't tell the whole story. What the law actually says is that your benefit is reduced five-ninths of one percent for the first 36 months you are under age 66 and five-twelfths of one percent for any remaining months. Because you are retiring at age 62, that means you will have 36 months of the five-ninths of one percent reduction and 12 months of the five-twelfths of one percent reduction. That adds up to an overall 25 percent reduction if you take your Social Security at age 62.

So do you see why I usually simply say the reduction is "about one-half of one percent?"

If you have a Social Security question, Tom Margenau has the answer. Contact him at To find out more about Tom Margenau and to read past columns and see features from other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at



11 Comments | Post Comment
I am on SSI benefits and my Fiance is on SSD benefits. How will this affect us if we tie the knot?
Comment: #1
Posted by: Sarah Vought
Tue Mar 5, 2013 7:32 AM
My husband and I are doing some retirement planning. And while I am not sure what the future holds for Social Security, I am still putting it into our plan. That said, my husband is a few years older than me so I want to retire at 62 but take my benefits later but only if that will mean I will receive a higher payment. Will it help or hurt me to retire at 62 and not take benefits until 67?
Comment: #2
Posted by: Lisa Henry
Sat Oct 26, 2013 2:12 PM
Beg to disagree - there is a marriage penalty for couples on social security.

The formula one uses when figuring out whether social security is taxable involves calculating 1/2 of one's benefit plus any other income including IRAS, pensions, wages up to a specific ceiling. A single person is allowed up to 25,000. including that halved social security benefit before any social security benefits are taxable.

By contrast, a married couple, two adults , can only have 32,000.00 with their halved social security benefits and any additional income included in that amount. Two singles drawing social security can have the 50000.00 maximum while the two married can only have 32000...............HOW is that not a penalty for being married???????????????????????
Comment: #3
Posted by: mia kulper
Fri Feb 28, 2014 4:04 PM
My husband ( age 65) is currently receiving SSI, I am still currently working ( age 62) and do not plan to retire till 66. My question is will my husbands benefit be reduced when I retire, our CPA told us that his SSI will change after I retire and he will receive 1/2 half of what I will draw. This has caused much confusion as I now read that there is no marriage penalty for married couples. So will we both be able to draw our own benefits when I retire at 66 ?
Comment: #4
Posted by: Donna Duffy
Sat Mar 1, 2014 5:43 AM
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Comment: #5
Posted by: smsorif khan
Thu Mar 27, 2014 3:42 PM
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Comment: #6
Posted by: smsorif khan
Thu Mar 27, 2014 3:44 PM
my wife and I got married a year ago. she went to get her name changed at the social security office. now they are taking away her ssi benifets and Medicaid benefits. I cant afford her very expensive medications. can they do this?
Comment: #7
Posted by: Ronald Gunter
Fri Mar 27, 2015 8:50 PM
Re: Sarah Voughtdont get married. the government wlll strip away her benefits. so much for separation of church and state, huh?
Comment: #8
Posted by: Ronald Gunter
Fri Mar 27, 2015 9:02 PM
I just started receiving SSDI. If I was single, I would pay -0- taxes. My wife earns $36000. If we lived together we'd only pay taxes on her income. We are married. If we file separately 100% of my income is taxed, and her's is at a higher MFS rate. If we file jointly 85% of my disability is taxed pushing us into higher tax brackets. How is this not a marriage penalty if I am paying a much higher rate no matter which way I file when married? I almost feel to get divorced every year on December 31st and remarry Jan. 1st each year. Is OK to do my tax planning by divorces and remarriage. I'd save a couple of thousand, minus the cost of remarriage and simple divorce.
Comment: #9
Posted by: Steven Moore
Thu Jul 16, 2015 6:43 PM
My wife turned 66 on 2/2/15. She applied for Social Security to be paid as of 2/1/15 and has been receiving benefits since then. She is still working and earning about $110k per year. She received her 2016 SSI notice and I read something in there about earnings limits and benefit adjustments. Will she be affected by that?

Thank you
Comment: #10
Posted by: Mike Bischak
Thu Dec 10, 2015 4:12 PM
I am almost 62 and on SSDI, my boyfriend and I want to get married. He is on SSI, Disability and his deceased wifes benefits. I am reading conflicting comments om whether we would lose our benefits if we get married. I get $1267.00 and he gets total of 2103.00. Social Security office said there would not be any change in benefits. I need a straight answer Thank you
Comment: #11
Posted by: maria dubruiel
Mon Dec 14, 2015 7:31 AM
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