Stay at home Social Security

[Anonymous]

What sort of senior benefits are there for stay at home moms (or dads) in old age? Do they get any medicare, medicaid, disability, social security type support or not?

[Anonymous]

It depends on if you worked or not prior to staying at home. You can either get your own social security via your work history or get a portion of your spouses. You'd get medicare.

[Anonymous]

Is this another post meant to mock stay at home parents? I. So tired of this theme.

[Anonymous]

Anonymous wrote:Is this another post meant to mock stay at home parents? I. So tired of this theme.

No. My mother was a stay at home mom and never met a more hard working person than her. I'm not familiar with any of her benefits as my late father handled it all and had plenty of resources so it wasn't a real issue.

I want to know for a South Asian friend who moved here at 18, got married during college, had twins, never worked, is 59 now.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Is this another post meant to mock stay at home parents? I. So tired of this theme.

No. My mother was a stay at home mom and never met a more hard working person than her. I'm not familiar with any of her benefits as my late father handled it all and had plenty of resources so it wasn't a real issue.

I want to know for a South Asian friend who moved here at 18, got married during college, had twins, never worked, is 59 now.

Is she married now or married at least 10 years? She can collect on her spouse’s benefit. Is she a US citizen?

[Anonymous]

My mother was a SAHM or worked under the table for most of her life, so she paid little to nothing into SS. There is a spousal benefit in these kinds of cases if you are married. You are entitled to something like half of your spouse's benefit. Divorced spouses can also be entitled to some kind of spousal benefit but I don't know the details of that.

I don't believe that Medicare eligibility is related to work experience, I think it is just an entitlement related to age. I'm not positive about that though. My mom definitely gets Medicare.

[Anonymous]

Medicare is (for the most part) just age-based. Medicaid is income-based, and some low-income seniors use both.

Social security is determined by a credit system: basically, you get “credits” for every quarter you work, and if you work ten years (cumulative), you are vested into the system, and you can draw on the system in retirement age. The amount you draw is based on your earnings (because the amount you pay in is based on earnings), but it is capped. The amount you draw is also based on the age at which you start drawing benefits.

You have the option to draw on your spouse’s benefits. If you are divorced, you can draw on your ex-spouse’s benefits, provided you were married for ten years and did not remarry. If you are widowed, you can draw on your deceased spouse’s benefits, if you don’t remarry. Your kids, if they are minors, can draw on a deceased parent’s benefits as well.

It might be helpful for your friend to have a quick meeting with a financial planner so she is aware of her options.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Is this another post meant to mock stay at home parents? I. So tired of this theme.

No. My mother was a stay at home mom and never met a more hard working person than her. I'm not familiar with any of her benefits as my late father handled it all and had plenty of resources so it wasn't a real issue.

I want to know for a South Asian friend who moved here at 18, got married during college, had twins, never worked, is 59 now.

Is she married now or married at least 10 years? She can collect on her spouse’s benefit. Is she a US citizen?

Citizen and married for more than 30 years.

[Anonymous]

You're not a "stay at home" parent for all of adulthood. Once your kids are in school you're simply unemployed.

[Anonymous]

Anonymous wrote:You're not a "stay at home" parent for all of adulthood. Once your kids are in school you're simply unemployed.

That’s a descriptor, not a job title. You’re unemployed before your kids are in school as well if you’re not gainfully employed.

[Anonymous]

Anonymous wrote:You're not a "stay at home" parent for all of adulthood. Once your kids are in school you're simply unemployed.

Right. Because stay at home parents do absolutely nothing once their kids go to school. Not one thing.

[Anonymous]

Anonymous wrote:

Anonymous wrote:You're not a "stay at home" parent for all of adulthood. Once your kids are in school you're simply unemployed.

That’s a descriptor, not a job title. You’re unemployed before your kids are in school as well if you’re not gainfully employed.

A stay-at-home parent isn’t a job title, either. It’s an excuse for not having a job— an excuse that loses credibility once your kids are in school.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You're not a "stay at home" parent for all of adulthood. Once your kids are in school you're simply unemployed.

That’s a descriptor, not a job title. You’re unemployed before your kids are in school as well if you’re not gainfully employed.

A stay-at-home parent isn’t a job title, either. It’s an excuse for not having a job— an excuse that loses credibility once your kids are in school.

No, there are many reasons to stay home with kids in school. Why do you care what someone else does?

OP, she will get social security based off husband's social security.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You're not a "stay at home" parent for all of adulthood. Once your kids are in school you're simply unemployed.

That’s a descriptor, not a job title. You’re unemployed before your kids are in school as well if you’re not gainfully employed.

A stay-at-home parent isn’t a job title, either. It’s an excuse for not having a job— an excuse that loses credibility once your kids are in school.

Wow, why do you care?

My stay at home mom did tons of things that other people paid outsiders to do- cleaning; yard work including mowing, planting, weeding, pruning; driving us kids around to multiple activities, meal planning and preparation, and so on. She also sewed lots of clothes for us when we were little and made things like curtains and pillow covers for our home. Plus, she volunteered in a number of different areas.

All the money she saved our family was non-taxable. I’d say she added quite a bit to the financial well being of our family, even though no one handed her a paycheck each week.

[Anonymous]

Mothers rarely worked outside the home because they weren't allowed to hold jobs or get educated for most male professions, plus too many kids. They are covered by their husband's SS, which they would lose if the husband divorced them up until the 1960s.

The GOP will eliminate SS soon anyway. Moot point.