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social security


I was told I shouldn’t be carrying my Social Security card around. Is that true?


We encourage you to keep your Social Security card at home in a safe place. Don’t carry it with you Even if you’re going to new job or to meet someone who needs it, all they really need is your number—not your card. Identity theft is one of the fastest growing crimes in America, and the best way to avoid becoming a victim is to safeguard your card and number. To learn more, visit our Social Security number and card page at http://www.socialsecurity.gov/ssnumber.


My husband and I are both entitled to our own Social Security benefits. Will our combined benefits be reduced because we are married?


No. When each member of a married couple works in employment covered under Social Security and both meet all other eligibility requirements to receive retirement benefits, lifetime earnings are calculated independently to determine the benefit amounts. Therefore, each spouse receives a monthly benefit amount based on his or her own earnings. If one member of the couple earned substantially less than the other or did not earn enough Social Security credits (40) to be insured for retirement benefits, he or she may be eligible to receive benefits as a spouse. To learn more, visit http://www.socialsecurity.gov/retirement.


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