A Woman’s Guide to Social Security

A Woman’s Guide to Social Security
Every woman should understand these basic rules about Social Security. Fei Meng
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I’m going to start this column by shamelessly promoting my little Social Security guidebook called “Social Security—Simple and Smart.” You can get it for less than $10 at Amazon.com and other booksellers. I am always referring readers who send me emails to that book because it will help them a whole lot more than a few lines I scribble into an emailed reply. And by far the most common section of the book that I refer people to is the chapter called “A Woman’s Guide to Social Security.” Most of what follows is an excerpt from that chapter.

Why does a woman need a special guide to Social Security? After all, almost all Social Security rules are asexual. For example, retirement benefits are figured the same way for men and women. Spousal benefits are also gender-neutral. In other words, a woman can possibly qualify for benefits as a wife or widow in the same way that a man might qualify for benefits as a husband or widower.

Tom Margenau
Tom Margenau
Author
Tom Margenau worked for 32 years in a variety of positions for the Social Security Administration before retiring in 2005. He has served as the director of SSA’s public information office, the chief editor of more than 100 SSA publications, a deputy press officer and spokesman, and a speechwriter for the commissioner of Social Security. For 12 years, he also wrote Social Security columns for local newspapers, and recently published the book “Social Security: Simple and Smart.” If you have a Social Security question, contact him at [email protected]
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