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Whether or not you have worked during your lifetime and earned Social Security, you may qualify for benefits on a spouse's record. This is the case even if you are divorced or widowed.

As with regular Social Security benefits, you will qualify beginning at age 62 (you may qualify earlier for Survivor benefits, which is explained below). Typically, the amount you receive is reduced the earlier you start collecting before full retirement age. So when you and your spouse apply matters. Here's how it works.

If You Do Not Qualify for Benefits on Your Own

If you did not work enough in your life to qualify for Social Security benefits on your own, you could get one half of your spouse's full retirement benefit once you reach full retirement age, and you will qualify for your spouse's Medicare at age 65. This does not affect the amount your spouse receives.

You can begin collecting spousal benefits at age 62, if your spouse has applied for benefits at that point. The amount of your benefit is reduced based on the number of months until you will reach full retirement age. Say your full retirement age is 66. If you begin collecting spousal benefits:

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Q: Can you draw your deceased spouses social security and pension if your remarry?
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