How do I change my spousal benefit to benefits?

Asked by: Jerrold Senger  |  Last update: February 9, 2022
Score: 4.4/5 (53 votes)

You will have to file an application to switch from survivor benefits on a late spouse's work record to retirement benefits on your own record. You should apply four months before you want your retirement benefit to start.

Can I switch from spousal benefits to my own online?

Hi. All I can tell you is that nothing on Social Security's website indicates that you won't be able to apply for your own benefits online. And, you definitely will have to file an application in order to switch to drawing your own benefits.

How do I change my spousal benefit?

Switching to survivor benefits

If your spouse passes, you must apply either by phone at 1-800-772-1213 or if you are deaf or hard of hearing, at TTY 1-800-325-0778. Or you can visit your local Social Security office.

Can I collect spousal benefits and then switch to my own Social Security?

Only if your spouse is not yet receiving retirement benefits. In this case, you can claim your own Social Security beginning at 62 and make the switch to spousal benefits when your husband or wife files. ... Again, Social Security will pay the greater of the two benefit amounts.

Can I collect spousal benefit and wait until I am 70 to collect my own Social Security?

You can only collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.

Spousal Benefit Filing Tips For Maximizing Your Social Security Retirement Benefits

35 related questions found

How do I change my spousal benefit at age 70 online?

Go to On the main page, click on “online services” and then select “apply for retirement bene its.” Since you are currently collecting benefits on your spouse's record, you should be able to start a new application for retirement benefits under your own Social Security number.

Are Social Security spousal benefits going away?

A federal law passed in 2015 eliminated two strategies couples formerly used to maximize their Social Security benefits. Spouses born after Jan. 1, 1954, can no longer claim spousal benefits and later switch to collecting benefits based on their own work record.

How do I change my Social Security benefits online?

If you already receive Social Security benefits, you can update much of your information online with your personal my Social Security account. If you need to make a change that cannot be done through my Social Security, you can contact us for additional support.

Can you collect 1/2 of spouse's Social Security and then your full amount?

Your full spouse's benefit could be up to one-half the amount your spouse is entitled to receive at their full retirement age. If you choose to begin receiving spouse's benefits before you reach full retirement age, your benefit amount will be permanently reduced.

What are the rules for spousal benefits of Social Security?

You can receive up to 50% of your spouse's Social Security benefit. You can apply for benefits if you have been married for at least one year. If you have been divorced for at least two years, you can apply if the marriage lasted 10 or more years. Starting benefits early may lead to a reduction in payments.

Can I collect spousal benefits and still work?

You can collect benefits on a spouse's work record regardless of whether you also worked. If you are eligible for both your own retirement benefit and a spousal benefit, Social Security will pay you the higher of the two amounts.

When can you claim spousal Social Security benefits?

You can claim spousal benefits as early as age 62, but you won't receive as much as if you wait until your own full retirement age. For example, if your full retirement age is 67 and you choose to claim spousal benefits at 62, you'd receive a benefit that's equal to 32.5% of your spouse's full benefit amount.

How do I change my Social Security?

People who want to ask for a new Social Security number must:
  1. Apply in person at a Social Security office;
  2. Complete an application;
  3. Provide a statement explaining the reasons for needing a new number;
  4. Provide current, credible, third-party evidence documenting the reasons for needing a new number; and.

Do Social Security benefits change if you move?

Will my Social Security disability benefits change if I move to another state? Social Security Disability Insurance (SSDI) benefits do not change if you move to another state. Like Social Security retirement benefits, SSDI payments are based on your average lifetime earnings and are not affected by where you live.

How do I change my Social Security status?

To change your citizenship status shown in Social Security records, you must complete an application for a Social Security card (Form SS-5), which you can find online at

What documents are needed for Social Security name change?

Documents Social Security may accept to prove a legal name change include:
  • Marriage document;
  • Divorce decree;
  • Certificate of Naturalization showing the new name; or.
  • Court order approving the name change.

How long does it take to get a new Social Security card?

It typically takes about two weeks between the time you report the loss to having a new Social Security card in your hand. Even better news, replacing a lost or stolen Social Security card is free. The Social Security Administration outlines three basic steps: Learn what documents you need.

What changes are coming to Social Security in 2022?

If you are already receiving Social Security benefits, you will receive a 5.9% COLA increase to your monthly Social Security benefit. This nice increase will be somewhat offset by the increase in Part B premiums. To earn the maximum of four credits in 2022, you need to earn $6,040 or $1,510 per quarter.

How much can I earn while collecting spousal benefits?

In the year you reach your full retirement age (66 for most people), $1 in benefits will be deducted for each $3 you earn above a different limit. For 2020, this other limit is $48,600. ... Secondly, spousal benefits are reduced if the primary beneficiary is under full retirement age and has excess earnings.

Is Social Security getting a $200 raise in 2022?

The 2022 COLA increases have been applied to new Social Security payments for January, and the first checks have already started to hit bank accounts. This year, the highest COLA ever will be applied to benefits, with a 5.9% increase to account for rampant and sudden inflation during the pandemic.

Is Social Security getting a $200 raise in 2021?

Which Social Security recipients will see over $200? If you received a benefit worth $2,289 per month in 2021, then you will see an increase worth over $200. People who get that much in benefits worked a high paying job for 35 years and likely delayed claiming benefits.

Is Social Security getting a $200 raise?

While each person's Social Security benefit will depend on their earnings and amount of years worked, there is a small group who will be receiving an extra $200 or more per month in their benefit check. ... The maximum benefit for someone who'd retired at age 70 in 2021 was $3,895.

How do I replace my Social Security card for free?

If your Social Security card is lost or stolen, you can replace it for free through the Social Security Administration (SSA) website, by visiting a local SSA office or through the mail.

How hard is it to get a new Social Security card?

Getting a replacement Social Security number (SSN) card has never been easier. As long as you're only requesting a replacement card, and no other changes, you can use our free online services from anywhere. ... In most cases, simply knowing your SSN is enough. But if you do need a replacement, we make it easy.

Do you have to pay for a new Social Security card?

You should fill out and print an Application for a Social Security Card and contact your local Social Security office. There is no charge for a Social Security card. This service is free.