Social Security for disabled spouse


Q. I am FERS and plan on retiring this year when turning 65. I will be eligible for Social Security but am wondering if my wife will be able to collect. She is disabled and was receiving benefits from the company she worked for until they went bankrupt. By getting her benefits from that company, nothing was paid in to Social Security for her to have enough quarters to qualify for SS disability. She will be 60 when I retire and I would like to find out if she will be able to use my Social Security benefit.

A. She might be able to collect a spouse’s benefit, but she may also be subject to the Government Pension Offset. You should contact the Social Security Administration to discuss your situation and the potential for benefits.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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