When you file for Social Security benefits, your spouse may be eligible for a benefit based on your earnings. The spousal benefit can be as much as half of the worker’s “primary insurance amount,” depending on the spouse’s age at retirement. It’s important to note that If a spouse is eligible for a retirement benefit based on his or her own earnings, and if that benefit is higher than the spousal benefit, then they would receive payment for their own retirement benefit.
In this Retirement Education Tuesday Tip video we will provide you with insight to the unique mechanics of receiving a Spousal benefit boost.
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Social Security Spousal Benefits: What You Need to Know

Social Security spousal benefits are an important part of the Social Security program that can provide financial support to spouses who do not have a work history or who have earned less than their spouse. Understanding how spousal benefits work can help you make the most of the program and ensure that you and your spouse have a secure financial future.

Who is eligible for spousal benefits?

Spousal benefits are generally available to spouses who are at least 62 years old and who are married to someone who is receiving Social Security retirement or disability benefits. In some cases, ex-spouses may also be eligible for spousal benefits if they were married to the Social Security recipient for at least 10 years and have not remarried.

How much can you receive in spousal benefits?

The amount of spousal benefits you can receive is based on your spouse’s earnings history. If you are at full retirement age (currently 66 or 67, depending on your birth year), you can receive up to 50% of your spouse’s full retirement benefit. If you choose to receive spousal benefits before reaching full retirement age, your benefit amount will be reduced. However, if you wait until after full retirement age, your benefit amount may increase with delayed retirement credits.

How do spousal benefits affect your own benefits?

If you are eligible for both spousal benefits and your own Social Security retirement benefits, you will generally receive the higher of the two amounts. However, it’s important to carefully consider the timing of when to claim each benefit in order to maximize your total benefits over time.

What about divorced spouses?

If you are divorced and were married for at least 10 years, you may be eligible for spousal benefits based on your ex-spouse’s earnings record. You can receive up to 50% of your ex-spouse’s full retirement benefit, and it does not affect the amount your ex-spouse or their current spouse can receive in benefits.

Spousal benefits can be a valuable source of income for spouses who have not worked or earned significantly less than their partners. Understanding the eligibility requirements and benefit calculations can help you make informed decisions about when to claim benefits and how to maximize your Social Security income. If you have questions about spousal benefits, it’s a good idea to consult with a Social Security representative or financial advisor to ensure you are making the most of this important program.