Deciding when and how to claim spousal/survivor Social Security benefits depends heavily on your circumstances. You can start taking it as early as age 62 (age 60, if you’re a survivor of another Social Security claimant or at any age, if you’re claiming a disability), or you can wait until you’ve reached full retirement age or age 70 based on your work history. While there’s no “correct” claiming age for everybody, the rule of thumb is that if you can afford to wait, delaying Social Security can pay off over a long retirement.

In this Retirement Education Tuesday Tip video we will provide some guidelines to consider when claiming your Spousal benefits.
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Spousal and survivor Social Security benefits can be an important source of income for individuals who are married or who have lost a spouse. However, navigating the rules and regulations surrounding these benefits can be confusing. Here are some common questions and answers about spousal and survivor Social Security claiming.

1. What is a spousal Social Security benefit?

A spousal Social Security benefit is a benefit that is paid to the spouse of a retired or disabled worker who is collecting Social Security retirement or disability benefits. The amount of the spousal benefit is based on the worker’s benefit amount and the age at which the spouse claims the benefit. In general, a spouse is eligible to receive up to 50% of the worker’s full retirement benefit.

2. When can a spouse claim a spousal Social Security benefit?

A spouse can claim a spousal Social Security benefit as early as age 62, but the benefit amount will be reduced if claimed before full retirement age. Full retirement age is currently 66 or 67, depending on the year of birth. Spouses can also choose to wait until age 70 to claim a spousal benefit, which will result in a higher benefit amount.

3. What is a survivor Social Security benefit?

A survivor Social Security benefit is a benefit that is paid to the surviving spouse of a deceased worker who was collecting Social Security retirement or disability benefits at the time of death. The amount of the survivor benefit is based on the worker’s benefit amount and the age at which the surviving spouse claims the benefit. In general, a surviving spouse is eligible to receive up to 100% of the worker’s full retirement benefit.

4. When can a survivor claim a survivor Social Security benefit?

A surviving spouse can claim a survivor Social Security benefit as early as age 60, or age 50 if the surviving spouse is disabled. However, the benefit amount will be reduced if claimed before full retirement age. Surviving spouses can also choose to wait until full retirement age or later to claim the benefit, which will result in a higher benefit amount.

5. Can a spouse claim both their own Social Security benefit and a spousal benefit?

In some cases, a spouse may be eligible to claim both their own Social Security benefit and a spousal benefit. However, the total amount of benefits received cannot exceed the higher of the two benefit amounts. This is known as the “deemed filing” rule, and it applies to spouses who claim benefits before full retirement age.

Navigating the rules and regulations surrounding spousal and survivor Social Security benefits can be complex. If you have questions about your eligibility for these benefits or when to claim them, it may be helpful to consult with a Social Security representative or financial advisor. By understanding the rules and maximizing your benefits, you can make the most of your spousal and survivor Social Security claiming options.