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Social Security Benefits for Spouses – Refresher (2023)

Social Security benefits are a critical source of income for many Americans, especially during retirement. For married individuals, understanding the rules and options available for claiming benefits as a spouse is essential for maximizing financial security in later years.

In 2023, the rules surrounding Social Security benefits for spouses remain largely the same as in previous years, but it is important to review and understand them to ensure you are making informed decisions about your Social Security benefits.

One key aspect of Social Security benefits for spouses is the option to claim spousal benefits based on your spouse’s work record. If you are married to someone who has earned more than you or has a longer work history, you may be eligible for spousal benefits that are higher than what you would receive on your own work record. The amount you can receive as a spouse is generally up to 50% of your spouse’s full retirement benefit.

To qualify for spousal benefits, you must be at least 62 years old and have been married to your spouse for at least one year. If you are divorced, you may still be eligible for spousal benefits if you were married to your ex-spouse for at least 10 years, are currently unmarried, and have not remarried.

Another important consideration for spouses when it comes to Social Security benefits is the decision of when to claim. You can claim spousal benefits as early as age 62, but your benefit amount will be reduced if you do so before your full retirement age (which is currently 66 or 67, depending on your birth year). Delaying claiming spousal benefits until your full retirement age or even later can result in a higher monthly benefit amount.

It is also worth noting that claiming spousal benefits does not affect your spouse’s own benefit amount. Each spouse can claim their own benefits based on their own work history, and if one spouse claims spousal benefits, it does not reduce the other spouse’s benefit amount.

Lastly, if you are a widow or widower, you may be eligible for survivor benefits based on your deceased spouse’s work record. Survivor benefits can provide crucial financial support in later years, and it is important to understand your options for claiming these benefits.

In conclusion, understanding the rules and options available for Social Security benefits for spouses is essential for maximizing your financial security in retirement. By reviewing the rules and considering factors such as when to claim and whether to claim spousal or survivor benefits, you can make informed decisions that will help you make the most of your Social Security benefits in 2023 and beyond.