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However, your benefit does not depend on when your spouse claims. Keep in mind, this would mean delaying whenÂ. Dana Anspach wrote about retirement for The Balance. Claiming early permanently reduces your benefits. If you receive spousal benefits and are also entitled to disability. You will be significantly reducing the benefits that may be paid out over your lifetime and will have permanently reduced the survivor benefit for which either of you is eligible. Your spouse may be eligible to receive Social Security benefits on your record. If your spouse is not yet receiving retirement benefits, you can claim your own Social Security starting at 62, and later switch to spousal benefits when your spouse files. Different rules apply to ex-spouses. Both of you, however, must be at least age 62. With survivor benefits, you also are allowed to file a restricted application (applying just for your own earned benefits or just for survivor benefits). If your spouse’s full retirement age benefit amounts to $2,000 per month, your spousal benefit at your full retirement age could amount to $1,000 per month. Note that the age at which the other spouse files for Social Security benefits doesn’t affect this calculation. When you’re ready to apply, we recommend using a checklist to ensure you take the right steps and have the right documentation. If you’re divorced, you’ll get the maximum spousal benefit, 50%, if you wait to reach your full retirement age. "Benefits for Spouses." We are often asked “How do you qualify for spousal benefits from Social Security”? There comes a point where the spousal benefit gets reduced by 50 percent. PIA is the amount of Social Security benefits that your spouse is entitled to at his or her full retirement age (which is based on birth year, and could be between age 65 and 67 – see table in “How are spousal benefits calculated for Social Security?” section). If both spouses work, the total amount of S… If your spouse and/or you are considering taking Social Security benefits early, consider the long-term effects carefully. The earliest you can claim spousal benefits is 62—but how early you claim plays an important role in maximizing your benefits. If you have been or were married for at … 4. Social Security spousal benefits are a part of a worker’s retirement or disability benefit given to their spouse. Social Security spousal benefits may be available, under certain circumstances to spouses, ex-spouses and widows and widowers. If your spouse dies, you can collect a survivor’s benefit as early as age 60. What are Social Security spousal benefits? You might do this if your own benefit amount at age 70 would be larger than your widow benefit. So if your spouse’s PIA is $1,000, you could receive a maximum of $500 in spousal benefits. Though you're … A certified financial planner, she is the author of "Control Your Retirement Destiny.". If the spousal benefit is more than your own, you’ll get your own earned benefit plus an additional amount to bring you up to that higher spousal benefit amount. You don't need to have worked to get spousal benefits. Benefits that are taken more than 36 months early are reduced an additional 5/12 of 1%. Under the new law (which affected everyone going forward, regardless of birth year) if your spouse suspends his or her earned benefits, your spousal benefits also will be suspended. People receiving spousal benefits based on ex-spouses will continue to get their benefits even if the spouse suspends theirs. Taking a spousal benefit does not reduce or change the amount your current spouse, ex-spouse, or ex-spouse's current spouse may receive. Married couples should work together to make decisions that optimize their spousal and survivor benefits. Calculate the Social Security you’re owed in 2 minutes.Â. 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