It is very normal to think that any act we do can affect our Social Security check. Especially if we have been collecting it for some time and we think that our partner may be in some trouble if he or she starts receiving that assistance later than we do.
In this sense, therefore, we are in a much more common situation than it seems. If you are wondering what would happen in the case of collecting Social Security without having contributed before, don’t worry. Here we will give you the answer you are looking for.
In addition, you may also be wondering whether or not it affects everything related to your partner’s pay, since he or she is also part of your life and you don’t want to affect his or her future Social Security check.
Are there problems with cashing the Social Security check?
In principle, your pension should not be affected at any time by the benefits you collect in Social Security. Neither is your partner’s, even if you decide to collect the spousal contributory pension.
This also affects people who never paid Social Security. In other words, it does not matter if you have contributed or not to this system. You will always get your pension without any problem. In this case, the spousal pension option is the best of the options.
What is the maximum you can collect with the spousal pension?
If you have never contributed anything during your life, your Social Security check under the spousal pension will be half of what your partner receives. So, this is a very fair deal that we should thank the government for.
On the other hand, if you have actually made years of contributions at work, it is much better to apply for the Social Security personal pension, since in this case you will get a full pension and, therefore, it will be higher than half of the spousal pension.