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Deirdre....See NK'S REPLY BELOW!! My sister was the same, as she didn't work much through their marriage. She is is now, at 63, applying to receive her SS benefit. BUT they're fortunately, happily married. Wish you the best!

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If she didn't work much then she shouldn't bother unless they really need the money. Because should her husband die, she will not be allowed to get his benefits.

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