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LEARN MORE ABOUT: Qualified Retirement Plans

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In the United States, individuals can qualify for Social Security retirement benefits based on their own work history or as a spouse of someone who has earned enough credits to be eligible for benefits. For spouses, the rules for qualifying can vary depending on how long the marriage has lasted.

One rule that often comes up is the requirement to be married for at least one year in order to qualify for Social Security retirement benefits as a spouse. This means that if you have been married for less than one year, you may not be eligible to receive benefits based on your spouse’s work record.

If you meet the one-year requirement, you can potentially receive up to 50% of your spouse’s benefit amount. This can be a significant source of income in retirement, especially if you do not have a substantial work history or if your own benefit amount is lower than your spouse’s.

It’s important to note that you must be at least 62 years old in order to start receiving spousal benefits, unless you are caring for a child who is under age 16 or disabled. Additionally, if you are divorced, you may still be eligible for spousal benefits if your marriage lasted at least 10 years and you have not remarried.

Marriage is a significant factor in determining eligibility for Social Security retirement benefits as a spouse, and it’s important to understand the rules and requirements in order to maximize your benefits. If you have questions about how your marital status may impact your Social Security benefits, it may be helpful to consult with a financial advisor or Social Security representative for guidance.