NOTE: Married Women's Projected Retirement Benefits: An Update

by Howard M. Iams
Social Security Bulletin, Vol. 76 No. 2, 2016
Table equivalent for Chart 1. Percentage of married women and married couples projected to be eligible for retired-worker benefits at Social Security take-up age, by birth cohort
Birth cohort Wife eligible for retired-worker benefits Both husband and wife eligible for retired-worker benefits
War babies (1937–1945) 79 75
Leading boomers (1946–1955) 87 84
Trailing boomers (1956–1965) 92 89
GenXers (1966–1975) 92 88
SOURCE: Urban Institute calculations using MINT7 data.
NOTE: Sample includes married women in the year they claim Social Security benefits, but excludes those projected to ever receive Social Security Disability Insurance benefits.
Table equivalent for Chart 3. Projected Social Security benefit status of married women at Social Security take-up age, by birth cohort
Birth cohort Retired worker only Dually entitled Auxiliary benefit only
War babies (1937–1945) 62 21 16
Leading boomers (1946–1955) 73 17 9
Trailing boomers (1956–1965) 82 12 6
GenXers (1966–1975) 81 13 7
SOURCE: Urban Institute calculations using MINT7 data.
NOTES: Sample includes married women in the year they claim Social Security benefits, but excludes those projected to ever receive Social Security Disability Insurance benefits.
Rounded components of percentage distributions do not necessarily sum to 100.
Table equivalent for Chart 4. Projected mean monthly Social Security benefit of married women at Social Security take-up age before and after their husbands die and percent who will receive higher benefits as a survivor, by birth cohort
Birth cohort Husband alive Husband deceased
War babies (1937–1945) 1,103 1,676
Leading boomers (1946–1955) 1,250 1,810
Trailing boomers (1956–1965) 1,517 2,060
GenXers (1966–1975) 1,683 2,250
SOURCE: Urban Institute calculations using MINT7 data.
NOTE: Sample includes married women in the year they claim Social Security benefits, but excludes those projected to ever receive Social Security Disability Insurance benefits.