Create or open your my Social Security account,scroll to the ‘Plan for Retirement’ section,and:Select ‘See what you could receive from a spouse’ if you are not eligible for retirement benefits yourself or select the ‘Include a spouse?’ tab if you are eligible for retirement benefits.Choose a future age or date when you would like to start receiving spouse’s benefits.Enter your spouse’s retirement benefit estimate at their full retirement age or PIA.
How to collect spouse benefits?
Here’s howGetting a divorce is a big decision. But you may not know that you should take Social Security benefits into account.Provided you were married for at least 10 years,you may be able to claim spousal benefits on your ex-spouse’s work record.If your ex-spouse dies,you may be able to receive survivor benefits.
Who qualifies for Social Security spousal benefits?
You’ve been married for at least a year.You’re at least 62,or you’re caring for your spouse’s disabled child who is younger than 16.Your spouse currently receives retirement benefits.
Can a husband and wife both collect Social Security?
Whether a husband and wife can both collect Social Security depends on a few factors. The circumstances at play include what type of benefits one or both partners receive, their ages, and their total income. There are also situations where each partner is eligible to collect their own benefits, but it may make more sense for one partner to receive spousal benefits from the other.
When can you claim spousal Social Security?
You can claim Social Security benefits as soon as you turn 62 … If you will struggle financially because you’ll miss out on your ex-spouse’s Social Security benefits by remarrying, take some time to figure out if it’s worth it for you to do it.
What is the reduction factor for spousal benefits?
For a spouse who is not entitled to benefits on his or her own earnings record, this reduction factor is applied to the base spousal benefit, which is 50 percent of the worker’s primary insurance amount. For example, if the worker’s primary insurance amount is $1,600 and the worker’s spouse chooses to begin receiving benefits 36 months …
How much is spousal benefit?
The spousal benefit can be as much as half of the worker’s " primary insurance amount ," depending on the spouse’s age at retirement. If the spouse begins receiving benefits before " normal (or full) retirement age ," the spouse will receive a reduced benefit. However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced.
What age do you have to be to file for retirement?
Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care.
Can a spouse reduce their spousal benefit?
However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced. If a spouse is eligible for a retirement benefit based on his or her own earnings, and if that benefit is higher than the spousal benefit, then we pay the retirement benefit. Otherwise we pay the spousal benefit. Compute the effect of early retirement …
What happens if your spouse’s retirement benefits are higher than your own?
If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. Here is an example: Mary Ann qualifies for a retirement benefit of $250 and a spouse’s benefit of $400.
When will my spouse receive my full retirement?
You will receive your full spouse’s benefit amount if you wait until you reach full retirement age to begin receiving benefits. You will also receive the full amount if you are caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled.
How old do you have to be to apply for retirement?
If you are at least 62 years of age and you wish to apply for retirement or spouse’s benefits, you can use our online retirement application to apply for one or both benefits.
How old do you have to be to get spouse’s Social Security?
To qualify for spouse’s benefits, you must be one of these: At least 62 years of age.
How much does spousal benefit affect?
Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit to which he or she is entitled at full retirement age, or FRA). Regardless of the amount of the spousal benefit, it does not affect the amount of your mate’s retirement payment.
What percentage of survivor benefits are based on a child?
If the survivor benefit is based on your caring for a child, you receive 75 percent of the deceased’s benefit, …
What is survivor benefit based on?
In most cases, survivor benefits are based on the benefit amount the late spouse was receiving, or was eligible to receive, when he or she died.
How much of a survivor’s Social Security benefit do you get if you have a child?
If the survivor benefit is based on your caring for a child, you receive 75 percent of the deceased’s benefit, regardless of your own age when you file. Keep in mind. Your spousal benefit is not affected by the age at which your husband or wife claimed Social Security benefits.
How long do you have to be married to receive survivor benefits?
The chief criteria to qualify for survivor benefits are: You were married to the deceased for at least nine months (unless the death is accidental or occurs in the line of military duty, in which case there is no minimum time period). You are at least age 60, unless you are disabled (then it’s 50) or caring for a child of …
How old do you have to be to be a sailor?
You are at least 62 (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply).
Does Social Security increase if late spouse files for FRA?
With survivor benefits, if your late spouse boosted his or her Social Security payment by waiting past FRA to file, your survivor benefit would also increase. Your spousal or survivor benefits may be reduced if you are under full retirement age and continue to work. Social Security is phasing in the FRA increase differently for different types …
What Does It Take to Qualify for Social Security Spousal Benefits?
Unlike most rules related to Social Security, the rules for the spousal benefit entitlement are pretty straightforward and easy to understand.
Why do we need spousal benefits?
Why? Because the spousal benefit can give your household income a big boost if you know all the rules about how to use it.
How much is spousal benefit?
Depending on how old you are when you file, the spousal benefit amount will range between 32.5% and 50% of the higher-earning spouse’s full retirement benefit. Check out the chart below to get an idea of how the benefit works and what your payment might be if you can take advantage …
What is the 1 year requirement for Social Security?
The 1-year requirement is also waived if you were entitled (or potentially entitled!) to Social Security benefits on someone else’s work record in the month before you were married. An example of these benefits would be spousal benefits, survivor benefits or parent’s benefits.
What is Julie’s reduction to her own benefit?
This means that Julie’s reduction to her own benefit would be based on her age when she filed for her benefit. However, her reduction to the spousal benefit would be based on her age when Joe filed for his benefit. So, if Julie filed when she was 62, her own benefit would be reduced.
How long do you have to be married to qualify for spousal benefits?
You may also qualify for the spousal benefit If you’re divorced but the marriage lasted for at least 10 years and you’re not currently married.
How much of my spouse’s Social Security is my full retirement?
Remember, in that case, it’s between 32.5% and 50% of the higher-earning spouse’s full retirement age benefit, depending on your filing age. However, it can seem a little more complicated if you have Social Security benefits from your work history.
Why Is It Beneficial to Collect Spousal Benefits?
Even if you are financially comfortable today, you never know what might happen tomorrow. An unexpected injury, illness, or other misfortune could place your retirement savings in jeopardy at any time.
What is spouse benefit?
Spousal benefits allow eligible spouses to collect benefits at their spouse’s higher rate rather than a lower rate based on the recipient’s own work history.
Why is the SSA denying my application?
In many cases, the SSA denies initial applications due to avoidable errors or omissions. A lawyer can help you prepare a thorough, error-free application and compile helpful documentation to support your claim. If your claim is denied, your attorney can represent you at hearings and appeals to ensure your voice is heard in court.
How long do you have to be married to receive Social Security?
You have been married continuously for at least one year to someone who is receiving Social Security retirement or disability benefits; you are a divorced ex-spouse who was married for at least ten years to someone who receives Social Security benefits; or, in certain cases, you are a surviving spouse of a deceased person who was entitled to Social Security benefits.
Who pays spousal benefits?
The U.S. Social Security Administration (SSA) pays spousal insurance benefits to the spouses of workers who are eligible to receive Social Security disability or retirement benefits. If you are an eligible spouse of a worker who qualifies for Social Security benefits, you can claim spousal benefits regardless of your own work history.
What happens if you remarry and your spouse passes away?
If your spouse passes away and you get remarried, the benefits could change. “The important thing to remember in receiving survivor benefits is that if you remarry before age 60, this will cut off your eligibility to collect on your deceased spouse’s or deceased ex-spouse’s record,” Barzideh says. “This could be a very expensive decision, because while a spousal benefit entitles you to 50% of the other spouse’s benefits, a survivor benefit would entitle you to 100% of those benefits.”
How to apply for spousal benefits?
You can expect the following when applying for Social Security spousal benefits: 1 You can receive up to 50% of your spouse’s Social Security benefit. 2 You can apply for benefits if you have been married for at least one year. 3 If you have been divorced for at least two years, you can apply if the marriage lasted 10 or more years. 4 Starting benefits early may lead to a reduction in payments. 5 If you have a work history, you’ll receive either your benefit or the spousal benefit, whichever is greater. 6 To be eligible, your working spouse will need to have already claimed benefits.
How long do you have to be married to receive spousal benefits?
You will still need to be married for at least one year before applying for benefits. Spousal benefits differ from personal benefits when it comes to delaying payments. If you delay personal benefits past full retirement age, the benefit increases over time. However, spousal benefits max out at full retirement age.
How long do you have to be married to get Social Security?
You should be married for at least one year before applying for Social Security benefits. “You are eligible for spousal benefits if your spouse has filed for Social Security benefits and you are at least age 62,” Moraif says.
What is the full retirement age?
The full retirement age varies by birth year and is usually age 66 or 67 . If you are married and your spouse begins collecting $2,000 per month at full retirement age, your spousal benefit will be $1,000 if you start payments at your full retirement age. How Much You Will Get From Social Security. ]
How long do you have to be divorced to get a divorce?
In addition, you’ll need to have been divorced for at least two years and be currently unmarried. “Both you and your ex-spouse must be at least 62,” says Ben Barzideh, a wealth advisor at Piershale Financial Group in Barrington, Illinois.
Do you get spousal benefits if you have a work history?
If you have a work history, you’ll receive either your benefit or the spousal benefit, whichever is greater.
What does the SSA look for in spousal benefits?
The SSA looks at the amount of retirement benefits you’re eligible for, then the amount of spousal benefits you’re eligible for. If the spousal benefits are greater than your retirement benefits, you would be paid your retirement benefits first, then spousal benefits would be used to make up the difference. You always get the larger of the two …
How to apply for spousal Social Security?
The easiest way to apply for spousal Social Security benefits is through your "My Social Security" account at https://www.ssa.gov/myaccount/. If you don’t have an account, you can create one and apply from there. To apply online, you must be at least 61 years and 9 months old. 
How much is my spouse’s spousal benefit?
Decide when you want to start receiving benefits. Your full spousal benefit is 50% of your spouse’s primary insurance amount. However, if you decide to start receiving those benefits before you reach your normal retirement age, your benefit amount will be permanently reduced.
What is the lowest percentage of your spouse’s insurance?
The lowest percentage you could possibly get is 32.5% of your spouse’s primary insurance amount. In some situations, it might make sense for you to claim your spousal benefits early. However, if you can afford to do so, you’ll get more money if you wait until you reach your normal retirement age.
What to do if you don’t have all the documents requested by the SSA?
Tip: If you don’t have all the documents requested by the SSA, call them and let you know. They can help you get them.
How to check status of Social Security application?
1. Set up an online account if you haven’t already. From your "My Social Security" account at https://www.ssa.gov/myaccount/ , you can check the status of your application and manage your benefits. If you didn’t apply for your benefits online, you can still set up a free account to manage your benefits.
What is the phone number to call for Social Security?
If you can’t apply online or don’t want to use the online form, you can also call 1-800-772-1213 (TTY 1-800-325-0778).
How does restricted application work?
How the Restricted Application Strategy Works for Eligible Spouses. If you reach full retirement age and are eligible for your own benefits as well as spousal benefits, you may choose to collect benefits under your spouse’s account now and defer your own benefits until later. To file a restricted application, both you and your spouse must be …
What happens if your spousal benefit is larger?
If your spousal benefit is larger, you will receive a combination of benefits that total that amount.
How much is delayed retirement worth?
Each year of delayed retirement is worth an additional 8% in benefits for those born between 1943 and 1954. So, for example, a person born in 1952 who retires in 2021 at age 69 will receive an additional 24% over and above what they would have received had they started collecting in 2018 at their full retirement age. However, only one person per couple may collect spousal benefits while earning delayed retirement credits on his or her own account.
What is the full retirement age for Social Security?
Full retirement age, for Social Security purposes, is between 66 and 67, depending on your year of birth. 2 ?. One exception: If you are caring for your spouse’s child who is under age 16 or who receives Social Security disability benefits, you can collect spousal benefits at any age without a reduction. 3 ?. …
Can you collect spousal benefits on your own?
However, only one person per couple may collect spousal benefits while earning delayed retirement credits on his or her own account. And, to repeat, this option is no longer available to anyone who wasn’t born on or before Jan. 1, 1954.
When did the Bipartisan Budget Act end?
Younger recipients won’t be able to use this strategy, which was ended by the Bipartisan Budget Act of 2015. 5 ?
Can a spouse apply for Social Security based on their own work record?
Spouses who aren’t eligible for Social Security on their own work record can apply for benefits based on the other spouse’s record.
Ways to Apply
You can complete an application for Retirement, Spouse’s, Medicare or Disability Benefits online.
Retirement or Spouse’s Benefits
You can apply online for Retirement or spouse’s benefits or continue an application you already started.
You can apply online for disability benefits or continue an application you already started.
Appeal a Disability Decision
If your application for disability benefits was denied recently for medical reasons, you can request an appeal online or continue working on an appeal you already started.
You can apply online for Medicare or continue an application you already started.
Extra Help with Medicare Prescription Drug Costs
You can apply online for Extra Help with Medicare prescription drug costs.
Supplemental Security Income (SSI) Benefits
If you want to apply for Supplemental Security Income (SSI), please read: