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Reply to "After working 20 years became SAHM - how to protect self financially"
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[quote=Anonymous]I would try to work enough to stay insured for Social Security disability benefits. If something serious happens to you, it will bring in some income and make you eligible for Medicare. https://www.ssa.gov/pubs/EN-05-10072.pdf is a good explanation. You need to have earned at least 20 credits of coverage in the decade before the disability began (basically 5 of the last 10 years). So you'll be fine a while if you've been working full-time. Around year 3-4 of SAHMdom, look for some work where either you and your employer pay FICA taxes, or you're self employed and pay both halves of FICA. It doesn't have to be a lot: this year, earning $1360 gets you one credit, so you've presumably gotten your maximum 4 credits for 2019. The amount of earnings per credit changes each year.[/quote]
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