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]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]
DH grandma got SS for decades after her husband died. She never worked a job a day in her life. I'm certain she was not a citizen but drew a check for almost 50 years.[/quote]

50 years? Did she live to be 110?[/quote]

The spouse and survivor benefits are based on your spouse's work. You don't have to have worked yourself and it looks like you don't have to be a citizen, although I'm not sure about that. If he died when she was 35, 40, 50, and she didn't remarry, they'd pay her benefits.

Social Security was created in the 1930s when the typical family had a working dad and a non-working mom. It may be time to revisit that.[/quote]

I understand the way it works. And if 'grandma' was young when grandpa died she drew only until the youngest child hit 16 ( http://fsrcpa.com/wp-content/uploads/The-Social-Security-Blackout-Period.pdf ) and she would go through a blackout if the child hit that age before she hit the 60's.

That said, my great grandmother drew for 32 years after her husband died but she lived to a 100. She was not representative of the norm however.[/quote]

So grandpa died when her youngest was 1 and she was 45. 15 years later her youngest ages off and she's 60 and can claim her own. Done.

Actually, Social Security used to pay through college. They only cut it back to 16 a few decades ago. So grandpa could have died when her youngest was 1 and she was 39. Then 21 years later the youngest graduates college and she's 60.

Also you can get widows benefits when you're 50 if you're disabled.

Although why we're obsessing over PP's poor grandma is beyond me.[/quote]

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