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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 ...
According to the 2024 Social Security Statistical Supplement, there are about 1.98 million people actively receiving a spousal benefit from Social Security. The average monthly benefit ...
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