My husband and I are both 58, married over 35 years. He has earned the necessary credits for SS and medicare. Oct 2016 at his FRA he's projected to receive $2763/month. As of end of 2015, I have earned only 37 credits. I am working 8 hr/month and will probably only earn 1 credit for 2016, but will make over $1500. Does SS take into account the fractional amounts of income earned and add them to my record?
Is it worthwhile to continue to create my own record? Does this affect Medicare? My benefits would not compare to my husband's record. Thank you.

Hi,

Probably not. Your spousal benefit would almost certainly be higher than the benefit payable on your own record, and you would be able to get Medicare at age 65 based on your husband's record.

About the only scenario that I can think of when it could make a difference is if your husband died before you reach full retirement age. In that event, if you were insured on your own account you could file for reduced retirement benefits at age 62, and then get unreduced widow's benefits when you reach full retirement age.

One other possible minor consideration is that if you plan file for reduced benefits prior to full retirement age, the reduction percentage is slightly higher for spousal benefits (https://www.ssa.gov/OACT/quickcalc/spouse.html) than it is for benefits payable on your own record. So, if you plan to take reduced benefits, you might get a few dollars more per month if you earn your 40 quarters of coverage before you file. You can use the maximization software available on this website to get a better idea of how much difference this might make in your case.

Best, Jerry