Social Security
What Every Woman Should Know!

Whether a woman works, has worked or has never worked, it is important that she knows exactly what Social Security coverage means to her.

Social Security benefits are no longer regulated for men. With 60 percent of most women in the nations workforce, eligibility for Social Security benefits have become a significant factor in a woman's retirement years.

While you're working:

• Your first link with Social Security is your Social Security number.
• You will need your Social Security number to get a job and pay into the Social Security system.
• Your earnings and future benefits are tracked through your Social Security number.
• Without a Social Security number you won't be able to pay into the Social Security program and you won't be able to collect Social Security benefits.

If you've worked and paid into the Social Security system:

• You are earning credits toward your retirement benefits.
• You earn Social Security credits that can qualify you and your family for disability and survivors insurance coverage.
• You're earning Medicare protection for yourself and your family.
• Medicare protection will be available when you reach the age of 65, or sooner if you are disabled.

If you've never worked or been employed:

• You will be eligible for spouse's benefits if you are married.
• You can receive benefits when your spouse retires, becomes disabled or dies.
• If your husband dies, you can receive widow's benefits if you are age 60 or older.
• You can receive benefits if you are caring for a child who is disabled and entitled to benefits.

Social Security benefits are not intended to meet all of your financial benefits, but it is an important part of your financial planning in providing you and your family with an insurance package of disability, retirement, and survivors protection.

For more information on Social Security benefits, contact your local Social Security Administration Office or visit their website at www.socialsecurity.gov.

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