My husband and I are both entitled to our own Social Security benefits. Will our combined Social Security benefits be reduced because we are married?
No. When each person of a married couple works in employment covered under Social Security and they meet all other eligibility requirements to receive Social Security benefits, their lifetime earnings are calculated independently to determine their Social Security benefit amount. Therefore, each spouse receives a monthly benefit amount based on his or her own earnings. Couples are not penalized simply because they are married.