Who is eligible to claim a spousal benefit with Social security. Watch this quick video to find out.

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Social Security is a government program that provides monthly benefits to eligible individuals who have paid into the Social Security system through their employment. One of the benefits available under this program is the spousal benefit, which allows the spouse of a worker who paid into Social Security to receive benefits based on their partner’s earnings record.

Spousal benefits can provide financial support to individuals who may not have earned enough credits on their own to qualify for Social Security benefits. In order to receive spousal benefits, the person must be at least 62 years old and have been married to the worker for at least one year. In the case of divorce, the ex-spouse may be eligible for spousal benefits if they were married to the worker for at least 10 years and have not remarried.

The amount of spousal benefits that the individual can receive is generally equal to 50% of the worker’s Social Security benefit. This amount may be reduced if the individual begins receiving benefits before their full retirement age. Full retirement age is the age at which an individual can receive their full Social Security benefit without any reduction. For those born between 1943 and 1954, full retirement age is 66 years old.

It is important to note that the worker’s Social Security benefits will not be reduced by their spouse receiving spousal benefits. The amount of benefits that the worker receives will not be affected by their spouse’s benefits. However, if the worker decides to collect their benefits before their full retirement age, their benefits may be reduced based on their age at the time of collection.

To apply for spousal benefits, the individual should contact the Social Security Administration and provide their spouse’s Social Security number and their own birth certificate or other identification documents. The application process may take several weeks or even months, so it is important to apply as soon as possible to ensure timely receipt of benefits.

The spousal benefit is just one of the benefits available under the Social Security program. Understanding the eligibility requirements and application process for this benefit can help individuals plan for their retirement and ensure they receive the financial support they need.