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Senior Lifestyles
Celebrating 43 Years
In Business
Local Family owned and operated
Good Neighbor Pharmacy
Mike’s Medical Pharmacy
503-538-5715
440423.092513
FIRST MONTH FREE
Valid for new customers only. Joining and option price
registration required. Offer valid at participating locations.
Other restrictions may apply. Expires 12/31/13.
Meets at
2251 E. Hancock St., Suite 103
971-563-1446
440358.092513
For information, or to schedule an
appointment call: 503-537-3546
310 Villa Rd., Newberg, OR 97132
s (EARING AND BALANCE
disorder evaluations
s (EARING AID EVALUATIONS
REPAIRS SUPPLIES AND lTTING
s !SSISTED LISTENING DEVICES
s %VALUATION AND TREATMENT OF
SPEECH AND LANGUAGE FOR CHILDREN
and adults
s 3WALLOWING VOICE mUENCY and
autism services
#OMPLETE HEARING AND SPEECH SERVICES
close to home
0ROVIDENCE #ENTER FOR (EARING AND 3PEECH PROVIDES
440264.092513
S
ocial Security can be an important fi-
nancial asset for married couples when
the time comes to apply for retirement
benefits. In many cases, one spouse may
have earned significantly more than the
other, or have worked for a longer span of
years. Or it could be that one spouse stayed
home to do the work of raising the children
or caring for elderly family members while
the other focused on a career.
Regardless of your situation, Social Secu-
rity will look at all possibilities to make sure
both spouses receive the maximum benefit
possible.
Even if you have not paid Social Security
taxes, it’s likely you’ll be eligible to receive
benefits on your spouse’s record. If you did
work and pay into Social Security, we will
check eligibility based on you and your
spouse’s work records to see which amount
is higher.
You can apply for spouses benefits the
same way that you apply for benefits on
your own record. You can apply for reduced
benefits as early as age 62, or for 100 per-
cent of your full retirement benefits at your
“full retirement age.” You can find your full
retirement age, based on your birth year, at
.
The benefit amount you can receive as a
spouse, if you have reached your full retire-
ment age, can be as much as one-half of
your spouse’s full benefit. If you opt for
early retirement, your benefit may be as lit-
tle as a third of your spouse’s full benefit
amount.
If your spouse has already reached full
retirement age but continues to work, your
spouse can apply for retirement benefits and
request to have the payments suspended
until as late as age 70. This would allow the
worker to earn delayed retirement credits
that will mean higher payments later, but
would allow you to receive your spouse’s
benefit.
You can also apply for spouse benefits
based on the earnings record of an ex-spouse
or deceased spouse if you were married for
at least 10 years. Spouses can consider a
number of options and variables. A good
place to start is by visiting the benefits plan-
ner at
.
Take note of the “Benefits as a Spouse” sec-
tion.
If you are ready to apply for benefits,
the fastest, easiest and most convenient
way is to apply online. You can do so at
Whether you receive benefits on a
spouse’s record or your own, rest assured
we will make sure you get the highest ben-
efit we can pay you. Learn more at
By Social Security Public Affairs, Portland
Social Security: Spouses have a significant benefit
Married couples should include this financial asset in their planning for retirement
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