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Can your wife draw Social Security retirement benefits if she has never worked?

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Yes, if you have earned at least 40 work credits and apply for your own retirement benefits, your wife is eligible to draw an additional 50% in benefits based on your work record if she is at least 62 years old. An ex-spouse who was married at least 10 years may also draw benefits on your work record. Neither payment reduces the amount of your entitlement.

If you have reached full retirement age and wish to continue working after your wife retires, you may apply for benefits and then have them suspended temporarily. This allows you to continue increasing your own benefit amount until age 70.
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