{"id":83,"date":"2016-11-13T19:22:20","date_gmt":"2016-11-13T19:22:20","guid":{"rendered":"http:\/\/jgmleonard.com\/?page_id=83"},"modified":"2025-12-26T18:42:29","modified_gmt":"2025-12-27T00:42:29","slug":"social-security-benefits-for-women-are-inadequate","status":"publish","type":"post","link":"https:\/\/jgmleonard.com\/lawyer\/social-security-benefits-for-women-are-inadequate\/","title":{"rendered":"Social Security benefits for women are inadequate"},"content":{"rendered":"
\"Men-vs-women-retirement\"
Includes savings, pensions, and Social Security benefits<\/figcaption><\/figure>\n

When many women retire they usually find that their Social Security benefits are much lower than they thought – especially if they are divorced, single, or a widow.<\/p>\n

This article will explain why.<\/p>\n

First here is how Social Security benefits are calculated.<\/h2>\n
    \n
  1. The Social Security Administration will look at the best 35 years of your earnings (adjusted for inflation and counting them as months) in which you were a contributor to Social Security to get a grand total.<\/li>\n
  2. If you worked more than 35 years the grand total of your best 35 years’ earnings will be divided by the best months in those 35 years (ignoring months\u00a0when you did not earn much or anything at all because you were unemployed or a homemaker). This will result in what is called the\u00a0Average Indexed Monthly Earnings<\/strong>.<\/li>\n
  3. If you worked exactly 35 years then the grand total (again adjusted for inflation) will be all the months in those 35 years.<\/li>\n
  4. If you worked less than 35 years then the grand total will still be divided by the number of months in those 35 years but each month\u00a0that you did not contributed will be added as a ZERO<\/span> which will drastically bring down your Average Indexed Monthly Earnings<\/strong>.\u00a0THIS IS THE CASE FOR MOST WOMEN who have not worked in the workforce for many years. If you worked, for example, only 50% of the time (17 years) then your Average Indexed Monthly Earnings<\/strong> will be 50% less than it could have been.<\/li>\n
  5. And if you NEVER contributed to Social Security because you never worked outside the home, then your Social Security benefit is ZERO<\/span>.<\/li>\n<\/ol>\n

    This Average Indexed Monthly Earnings<\/strong> number is then multiplied by a percentage number\u00a0which based on your retirement age to determine how much money you will receive every month.<\/p>\n

    Work more – get more<\/h3>\n

    The more years you worked (only the months up to 35 years) and the more you earned each month\u00a0then the more you will get as a Social Security Monthly benefit. The rich get more – the poor get less.<\/p>\n

    However, if you spent many years working in the home and not contributing to Social Security or had many low-paying jobs, then your Social Monthly benefit will be much less.<\/p>\n

    As a result<\/p>\n

    Working in the home\u00a0is penalized<\/span><\/h2>\n

    in calculating your benefits.<\/p>\n

    And because women on average make less than men, the Social Security benefits are much lower than what men get once again.<\/p>\n

    The final calculation is complicated so check out this document Social Security explained<\/a>\u00a0or use this Social Security calculator<\/a>.<\/em><\/p>\n

    What is your situation?*<\/h2>\n

    Single and not yet retired<\/h3>\n

    You are not eligible for any Social Security benefit.<\/p>\n

    Married and not yet retired<\/h3>\n

    The only Social Security benefit coming to your household will be that of your husband.<\/p>\n

    Widow and not yet retired<\/h3>\n

    You can get 50% of whatever was your husband\u2019s Social Security benefit.<\/p>\n

    Divorced and not yet retired<\/h3>\n

    You will not be entitled to any Social Security benefit from the government or anything from your ex-husband\u2019s Social Security – even if he has passed away.<\/p>\n

    Single and retired<\/h3>\n

    You get only your own Social Security benefit as calculated above.<\/p>\n

    Married and retired<\/h3>\n

    You get your own Social Security benefits and your husband gets his as calculated above.<\/p>\n

    Widow and retired<\/h3>\n

    You can get your own Social Security benefits OR 50% your husband\u2019s as calculated above at your option. Most women take the larger amount.<\/p>\n

    Divorced and retired<\/h3>\n

    If you are divorced you are not eligible for any portion of your husbands Social Security payments. You can only receive your own benefits after you reach your retirement age as calculated above.<\/p>\n

    Remember in ALL cases the amount of your Social Security benefit will be lower than your husbands unless your earnings were more.<\/p>\n

    So what can you do?<\/h3>\n

    Start a retirement business to supplement your income<\/a>.<\/h2>\n

    \u00a0*\u00a0<\/sup>I am only talking about normal Social Security benefits and nor other benefits like being disabled.<\/p>\n

    \n

    Back to SEO Content Writer\u00a0<\/a>page<\/p>\n","protected":false},"excerpt":{"rendered":"

    When many women retire they usually find that their Social Security benefits are much lower than they thought – especially if they are divorced, single, or a widow. This article will explain why. First here is how Social Security benefits are calculated. The Social Security Administration will look at the best 35 years of your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[346],"tags":[],"class_list":["post-83","post","type-post","status-publish","format-standard","hentry","category-old"],"yoast_head":"\nSocial Security benefits for women are inadequate - Joseph Leonard<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jgmleonard.com\/lawyer\/social-security-benefits-for-women-are-inadequate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Social Security benefits for women are inadequate - Joseph Leonard\" \/>\n<meta property=\"og:description\" content=\"When many women retire they usually find that their Social Security benefits are much lower than they thought – especially if they are divorced, single, or a widow. 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