Reply to What Would You Be Willing to Do to Save SS?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I think I would stop the ability to claim SS if you've never paid in.  [/quote]
Who gets SS if they don't pay in? I thought you had to have 40 quarters of earning, and the benefit is figured in your top 35 years.[/quote]

There are benefits for children and spouses.

https://www.ssa.gov/planners/retire/yourchildren.html

https://www.ssa.gov/planners/retire/yourspouse.html

[/quote]
PP. Oops. Forgot about that. [/quote]

Workers are paying for their own spouses and children. I don't see anything wrong with that.[/quote]

Can you explain to me how?  A worker with income contributes to SS.  When that person retires, he can draw on the SS that he contributed.  And if he has a minor child, that child receives a SS benefit.  And if he has a spouse that never worked, that person is also entitled to receive a SS benefit.  3 people can draw benefits from a single persons contribution.  More if there was ever a divorce with a marriage lasting over 10 years.  [/quote]

A person receives a SS retirement benefit and their minor child does too? Never heard of that.

As for the spouse[b], she only receives a benefit if she is over 60 and the wage earner dies.[/b] Not at the same time based on the spouse's earnings but only if she has earned the required credits on her own.[/quote]

Pp is factually inaccurate.  [/quote]

The spouse gets 50% of the worker's benefit and can claim it as early as age 62. Widow(er)s get 100% of the worker's benefit and can claim it as early as age 60. In both cases benefits are reduced if you claim them before your retirement age. The spouse or widow gets these benefits even if he/she has never worked. If he/she has worked at least 10 years and has credits of his/her own, they get their own benefit in lieu of part or all of the spouse/widow benefit.

Minor children of retirees get benefits, I think it's 75% of the worker's benefit. If the worker dies and leaves a young family, the widow(er) and children get benefits until the children reach 18, subject to income limits and caps on total benefits received by the family. [/quote]

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