Faith & Finance

Rob West

Spousal Social Security Benefits

April 7, 2021
00:00 25:00

A lot of folks will tell you that you can’t receive Social Security benefits unless you’ve worked and paid payroll taxes for at least 40 quarters or 10 years. The trouble with that is a lot of folks are wrong. We’re talking about spousal and survivor benefits. You may be eligible for them even if you’ve never received a paycheck. MoneyWise host Rob West fills us in on this important retirement information.

•          How do you qualify for Social Security benefits if you don’t have the necessary work record? The first way is through spousal benefits. You may not be eligible to receive benefits based on your work record but you may be able to receive them based on your spouse's record or your former spouse's record.

•          Do your research if you haven’t worked the required 10 years because the Social Security Administration usually won’t inform you that you may be eligible for benefits.

•          You may be eligible for up to 50% of your spouse's benefit if he or she claims at their full retirement age.

•          Unless you absolutely can’t live without the money, it’s better to wait for your full retirement age to collect spousal benefits. 

•          What if you’re a widow or widower? These are “survivor” benefits. Your eligibility for that depends upon the age of your spouse when they passed away. If your spouse worked for at least 10 years, then they would have qualified for benefits and as a result, you may be entitled to survivor’s benefits.

•          You can file for survivor benefits at any age if you're caring for the deceased worker's child if the child is under age 16 or disabled.

•          Surviving children, ex-spouses, parents, and sometimes other relatives might also qualify.


In today’s show we also answer your questions:


•           Do I tithe on borrowed money?

•           I’m leaving my job after several years. How should I handle the 401(k) started with them?

•           My wife and I are debt free and are beginning to invest. What do you think of Roth IRAs?


Ask your questions at (800) 525-7000 or email them at Visit our website at where you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

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About Faith & Finance

Faith & Finance is a daily radio ministry hosted by Rob West. The program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

About Rob West

Rob West is the host of the nationally syndicated radio program Faith & Finance heard on more than 900 radio outlets each day. Rob also serves as the President of Kingdom Advisors, an international community of financial professionals who are specialists in delivering biblically wise financial advice. Rob serves as primary spokesperson for the organization and gives leadership to organizational strategy.

A radio veteran, Rob previously co-hosted a live, call-in, financial radio program with his father from 1998 through 2008 at WAFG, Fort Lauderdale, FL. Rob has dedicated his professional career to working at the intersection of faith and finance having led a successful faith-based financial services firm, serving as the host of several radio programs on a biblical approach to finance, and speaking frequently on the topic. Rob and his wife, Julie, live in Marietta, GA with their four children.


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