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Paul McChesney

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Posted on Tuesday, March 20, 2001 - 6:12 am:   

If your husband is contributing at least half of your daughter's support, as a stepchild she would be entitled to draw benefits if he dies or becomes disabled. Her benefits would continue until 18, or 19 if she is going to high school full time, or indefinitely if she becomes disabled before she turns 22. Your income is irrelevant to her right to benefits.

If you were unemployed when she is drawing benefits and is disabled or under 16, you could draw mother's benefits. These are reduced by your income just like retirement benefits are if you are 62.

As a practical matter, you are unlikely to draw benefits off of your husband's record. If you make identical incomes, your benefit amount under your own record if you become disabled or retire would be greater than what you could get under his record, and you only get whichever benefit is greater.

I will list the other benefits you might get if you are interested, but in short, as long as you are working you would be eligible to no benefits under his record.

Please ask a follow up question if necessary.

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