If you have a spouse who does not earn an income or who earns less than you do, your spouse may be entitled to Social Security spouses’ benefits based on your record.
Social Security can be an important financial asset for married couples when the time comes to apply for retirement benefits.
In many cases, one spouse may have earned significantly more than the other, or may have worked longer. Or it could be that one spouse stayed home to do the work of raising the children, caring for elderly family members or managing the household while the other focused on a career.
Whatever your situation, Social Security will look at all possibilities to make sure both spouses receive the maximum Social Security benefits possible, whether based on each spouse’s earnings record or the higher wage-earner’s record.
Your spouse can apply for benefits the same way that you apply for benefits on your own record. He or she can apply for reduced benefits as early as age 62, or for 100 percent of the full retirement benefits at “full retirement age.”
Not sure what the full retirement ages are? To learn your and your spouse’s full retirement ages, based on birth year, visit socialsecurity.gov/pubs/ageincrease.htm.
The benefit amount your spouse can receive at full retirement age can be as much as one half of your full benefit. If your spouse opts for early retirement, the benefit may be as little as a third of your full benefit amount.
Note that benefits paid to your spouse do not decrease your benefit amount.
If you have already reached full retirement age but continue to work, you can apply for retirement benefits and request to have the payments suspended until as late as age 70.
This would let you earn delayed retirement credits that will mean higher payments later, but still would allow your spouse to receive a spouse’s benefit.
People can also apply for spouse benefits based on the earnings record of an ex-spouse or deceased spouse if married for at least 10 years.
Spouses can consider a number of options and variables. The Social Security department makes it easier to navigate them. A good place to start is by visiting the benefits planner at socialsecurity.gov/planners. Take note of the “Benefits as a Spouse” section.
If you are ready to apply for benefits, the fastest, easiest and most convenient way is to apply online! You can do so at socialsecurity.gov/applyonline and complete your application in as little as 15 minutes.
Due to a Supreme Court decision, we now are able to pay benefits to some same-sex couples. We encourage people who think they may be eligible to apply now.
Learn more at socialsecurity.gov/same-sexcouples.
Whether you receive benefits on a spouse’s record or your own, rest assured we will make sure you get the highest benefit for which you qualify. Learn more at socialsecurity.gov.
- Kirk Larson is a Social Security Washington public affairs specialist