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#2305
Bruce1950
Participant

Mark
If she has been working for an employer who opted out of SS and she does not have at least 40 quarters during which she had the minimum income from an employer (or self employment) that did collect SS tax, then she will have no SS benefit based on her working record.

The spouse does have a SS benefit and it will not be affected by her employment and pension. However, under the Government Pension Offset rules, she will likely be eligible for a very small or no spousal benefit. The reason for this is a spousal benefit is considered by SS to first be the worker’s benefit plus the spouse benefit that when combined equals the full spousal benefit. But she has no benefit so the spousal benefit must be reduced by 2/3 of your own pension…which usually is more than the reduced spousal benefit.

The .pdf from SS may help explain it better.

BruceM