Ask Larry

I am reading all these questions and answers and still do not understand social security, so I apologize in advance. I just recently retired and started collecting social security at age 62. My husband (age 65) worked in law enforcement for 35 years and didn't pay into social security, but had a previous job which did. He is retired, but now working part time. He is short 12 credits from collecting any social security. Does that mean I cannot collect spousal benefits? Not sure what can be claimed or when. Thank you

Hi,

No, your husband would have to be insured for Social Security benefits, and his full retirement age benefit amount would have to be more than twice as much as your full retirement age benefit amount in order for you to qualify for spousal benefits. If he does become insured for Social Security, his benefit amount will likely be limited due to the windfall elimination provision (https://www.ssa.gov/pubs/EN-05-10045.pdf), so it's doubtful that you'd ever be eligible for spousal benefits.

Best, Jerry