When should my wife apply for spousal benefits?

Asked by: Ms. Abbie Armstrong  |  Last update: February 19, 2024
Score: 4.6/5 (54 votes)

While the best age to claim spousal benefits is a personal decision, you can't claim these benefits before age 62. If you opt for sometime after reaching age 62 and before your full retirement age, you're likely to see your benefits reduced. And if you wait until after your full retirement age, benefits won't increase.

When can my wife start collecting spousal benefits?

You can collect spousal benefits as early as age 62, but in most cases, the benefits are reduced permanently if you start collecting early. If your own work history earns a higher benefit, you'll receive that amount rather than the spousal benefit.

Do spousal benefits start automatically?

You are eligible for benefits both as a retired worker and as a spouse (or divorced spouse) in the first month you want your benefits to begin and. You are not yet full retirement age, you must apply for both benefits (known as deemed filing). You will receive the higher of the two benefits.

What is the loophole for Social Security spousal benefits?

There used to be a “file and suspend” loophole meant to help married couples maximize their Social Security benefits. However, after Congress passed the Bipartisan Budget Act in 2015, this loophole no longer applies.

How long does it take to get spouse benefits?

Generally, you must be married for one year before you can get spouse's benefits. However, if you are the parent of your spouse's child, the one-year rule does not apply.

Social Security Spousal Benefits - MADE EASY to Understand

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How do I qualify for spousal benefits?

To be eligible for Social Security Spouse's benefits, you must:
  1. Be married for at least one continuous year to someone who receives Social Security retirement or disability benefits.
  2. Be at least 62 years old or caring for a child (under age 16 or disabled) of the retired or disabled worker.

How does my spouse apply for spousal benefits?

Form SSA-2 | Information You Need to Apply for Spouse's or Divorced Spouse's Benefits. You can apply: Online, if you are within 3 months of age 62 or older, or. By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office.

At what age can a wife take half of her husband's Social Security?

Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care. By a qualifying child, we mean a child who is under age 16 or who receives Social Security disability benefits.

Can you collect both spousal benefits and your own Social Security?

Yes. If you qualify for your own retirement and spouse's benefits, we will always pay your own benefits first. If your benefit amount as a spouse is higher than your own retirement benefit, you will get a combination of the two benefits that equals the higher amount.

What is the minimum Social Security spousal benefit?

At age 62, you'd get 35% of your spouse's benefits. At age 63, you'd get 37.5% of your spouse's benefits. At age 64, you'd get 41.7% of your spouse's benefits. At age 65, you'd get 45.8% of your spouse's benefits.

Can I switch to spousal benefits later?

You can't start your own benefits at age 62 and later switch to drawing spousal benefits instead. What you can do, though, is start your own benefits early and then file for an excess spousal benefit once your husband starts drawing his benefits.

What is the best Social Security strategy for married couples?

The longer the spouse with the higher benefit waits to start collecting, the higher benefits will be for both spouses. Delaying the higher earning spouse's benefits could also eventually increase the other spouse's survivors benefits.

Can my wife take Social Security at 62 and then switch to spousal benefit?

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.

When a husband dies does his wife get his Social Security?

These are examples of the benefits that survivors may receive: Surviving spouse, full retirement age or older — 100% of the deceased worker's benefit amount. Surviving spouse, age 60 — through full retirement age — 71½ to 99% of the deceased worker's basic amount.

Can you collect spousal benefits and still work?

You can get Social Security retirement or survivors benefits and work at the same time. But, if you're younger than full retirement age, and earn more than certain amounts, your benefits will be reduced. The amount that your benefits are reduced, however, isn't lost.

What is the Social Security 5 year rule?

No waiting period is required if you were previously entitled to disability benefits or to a period of disability under § 404.320 any time within 5 years of the month you again became disabled.

Can a wife collect Social Security from 2 husbands?

Yes, you can. Notify the Social Security Administration that you were married more than once and may qualify for benefits on more than one spouse's earnings record.

Will I lose my ex husband's Social Security if I remarry?

What Happens If I Remarry? Generally, you cannot collect benefits on your ex-spouse's work record unless your second marriage ends by annulment, divorce, or death. Your SSI benefits payments may change based on your new spouse's record.

Can I stop my ex wife from getting my Social Security?

This is good news when former spouses are not on good terms. Your ex cannot “block” you from drawing your spousal benefit. In fact, he probably won't even know if you are drawing off him unless he calls SSA to ask.

Which wife gets the Social Security?

If you are married and you and your spouse have worked and earned enough credits individually, you will each get your own Social Security benefit.

Can I switch from my Social Security benefit to a spousal benefit?

When your spouse files for their benefit later you could switch to spousal benefits. That could potentially increase the total amount of benefits you receive as a couple if they're waiting until age 70 to start taking benefits.

What is the difference between survivor benefits and spousal benefits?

The short version: Spousal benefits are available to retired workers' spouses or ex-spouses. They pay up to 50% of a worker's monthly retirement or disability benefit. Survivor benefits are paid to a surviving spouse or surviving ex-spouse when a Social Security beneficiary dies.

Do I have to apply for spousal benefits?

For spouses to receive the benefit, they must be at least age 62 or care for a child under age 16 (or one receiving Social Security disability benefits). In addition, spouses cannot claim the spousal benefit until the worker files for their benefit. There are other important caveats about the spousal benefit as well.

How many years do you have to be married to claim spouses Social Security?

Qualifying spouse beneficiaries must be married to the retiring spouse for at least one continuous year prior to applying for benefits, with certain exceptions.

Do married couples get 2 Social Security checks?

To determine the amount of SSI benefits a couple is eligible to receive, their combined countable income is deducted from the FBR for a couple. The result is then divided equally and paid to the couple in separate checks.