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Spousal Social Security Benefits: 5 Things All Retired Couples Should Know
To qualify for Social Security spousal benefits, it's not enough to be over the minimum age of 62 while married to a worker who is collecting a retired worker benefit. You have to be married for at least one year before you can claim a spousal benefit based on your partner's work history.
If you’re looking to increase your Social Security spousal benefits, there’s no easy route. Spousal benefits are based off of a worker’s 35-year wage history of paying into Social Security.
Spouses can qualify for a Social Security spousal benefit if they are at least 62 years old and both spouses have filed for Social Security. Image source: Getty Images.
Like standard benefits, you can claim spousal benefits before your FRA, beginning at age 62. For the primary claimer, benefits are reduced by 5/9 of 1% each month before their FRA, up to 36 ...
Social Security spousal benefits are based on the PIA of the primary earning spouse. Assuming the person claiming spousal benefits has reached their full retirement age, they can receive up to ...
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