If you're eligible for Social Security spousal benefits, how much you'll receive depends on a number of factors, including your age, the amount of your spouse's benefit, and whether you have other retirement benefits available to you. Who's eligible? Anyone whose spouse, ex-spouse, or deceased spouse was or is eligible for benefits, once you have reached the age of eligibility, is eligible.
The maximum amount you can receive is 50% of your spouse's full benefit. That's straightforward enough, but the precise amount you'll get and when you'll get it depends on several circumstances, including your spouse's age and work history, your own age and work history, and more. That leaves some room for you to maximize the amount you receive. And, remember, if that amount is less than the amount you'd get based on your own work history, you'll automatically get the higher amount.
Below, you'll find out if you qualify for Social Security spousal benefits and how to find out the amount you'll get. And, you'll learn the fate of a couple of once-popular spousal benefits loopholes in the Social Security rules. (Hint: It's not good news.) Nevertheless, if you know the rules highlighted in this article, you'll be able to maximize your Social Security spousal benefits.
Key Takeaways
- The maximum spousal benefit is 50% of the other spouse's full benefit.
- You may be eligible if you're married, formerly married, divorced, or widowed.
- 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.
- In 2015, the federal government changed the rules on filing for Social Security spousal benefits, eliminating some claiming strategies that allowed couples to increase their benefits.
Who Qualifies for Social Security Spousal Benefits?
If your spouse has filed for Social Security benefits, you can also collect benefits based on the spouse's work record, if:
- You are at least 62 years old.
- Regardless of your age, if you care for a child who is entitled to receive benefits on your spouse’s record, and who is under age 16 or disabled.
When you apply for spousal benefits, you will also be applying for benefits based on your own work history. If you're eligible for benefits based on your own earnings, and that benefit amount is higher than your spousal benefit, that's what you'll get. If it is lower, you'll get the spousal benefit.
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How Spousal Benefits Are Calculated
Spousal benefits are based on how much the other spouse would receive if that person began collecting benefits at the full or "normal" retirement age.
The Social Security Administration has an online calculator that can show you what percentage of your spouse's benefits you will be eligible for depending on your own age when you start receiving benefits.
The short answer to the calculation is this: You're eligible for half of your spouse's benefit amount as long as you wait until your full retirement age to apply. The earlier you file, the less you'll get.
Full Retirement Age
As you might expect, the "normal" retirement age is becoming later in life, but the changes to the Social Security rules are being phased in. It is age 66 for those born between 1943 and 1955. It increases gradually to age 67 for those born from 1955 to 1960. For those born after 1960, it's 67.
A Social Security online calculator shows you the percentage of your spouse's benefits you will get, based on your age when you apply.
No matter when your spouse actually retires, or if your spouse dies, that person's "normal" benefit amount is relevant to you in calculating your spousal benefit entitlement.
Claiming Early or Late
Your spousal benefit is based upon your partner's "normal" benefit amount. But the amount you receive will depend upon when you begin to claim it.
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.
The amount increases with each year you delay. At your full retirement age (67 in this example) you'd be eligible for the maximum, which is 50% of your spouse's full benefit.
Notably, spousal benefits are not reduced if the spouse is caring for a child who qualifies under the age or disability rules. Spousal benefits can never exceed 50% of the other spouse’s full benefit. So, there is no incentive to file for spousal benefits later than your own full retirement age.
An ex-spouse may be eligible for spousal benefits even if the former spouse hasn't retired yet.
If You're Receiving Other Retirement Benefits
The calculation gets a bit more complicated if you are eligible to receive benefits from a government pension or foreign employer that is not covered by Social Security. In that case, you may still be eligible, but the amount will be reduced.
For example, if you have a government pension for which Social Security taxes are not withheld, the amount of your spousal benefit is reduced by two-thirds of the amount of your pension. This is known as a government pension offset.
For example, suppose you are eligible to receive $800 in Social Security spousal benefits and you also get $300 from a government pension each month. Your Social Security payment is reduced by two-thirds of $300, or $200, making your total benefit amount from all sources $900 per month ($800 - $200) + $300).
Same-Sex Married Couples
Same-sex married couples have enjoyed the same rights as all other couples since the 2015 Supreme Court ruling affirming their constitutional rights to marriage recognition. And that means they're eligible for Social Security spousal and dependent benefits.
Social Security also recognizes some non-marital legal relationships such as civil unions and domestic partnerships.
The Social Security site urges spouses to apply for benefits if they think they may be eligible.
Divorced and Widowed Spouses
The rules for Social Security spousal benefits for divorced and widowed people are complex in order to cover all conceivable circumstances.
Spousal Benefits for Divorced Spouses
If you're divorced, you may be eligible for spousal benefits based on your ex-spouse's work record. The rules are much the same, plus:
- Your marriage must have lasted for at least 10 years.
- You must currently be unmarried.
If your former spouse hasn't filed for benefits yet, you can still file for spousal benefits if you have been divorced for at least two years.
If your ex-spouse is still living, in most cases you must be at least 62 years old and your spouse must be old enough to qualify for benefits. (Whether the ex-spouse is actually taking benefits or not doesn't matter.)
If your ex-spouse has died, your benefits are similar to those of a widow or widower.
Spousal Benefits for Widows and Widowers
A widow or widower can receive up to 100% of a spouse's benefit amount. That's if the survivor has reached full retirement age at the time of the application.
The payment is reduced to somewhere between 71% and 99% of the deceased's entitlement if the widowed person is at least 60 but under full retirement age.
Disabled people can apply as early as age 50. The agency has a streamlined application process to avoid delays in the first payment.
You may be eligible for benefits even if your spouse died long before reaching retirement age. Every employee racks up annual Social Security "credits" for working. If your spouse earned credits for at least 10 years, a spousal benefit has been earned.
It's important to note that it pays to hold off until you reach your "full" retirement age to maximize the amount you will receive.
Also, if you are receiving spousal benefits and your spouse dies, you need to notify Social Security. Your spousal benefit of 50% of your partner's benefit will convert to a survivor benefit of 100%.
And do it promptly. It's not usually retroactive.
Spousal Benefits Loopholes
You may hear or read about other ways to increase the amount of your spousal benefit. Unfortunately, under new Social Security rules, two popular strategies have been abolished.
The File and Suspend Strategy
Prior to 2016, workers could file for benefits (making their partners eligible to claim spousal benefits), then suspend their own benefits in order to maximize their credits for deferred filing. This so-called file and suspend strategy meant that a lower-income partner could take advantage of spousal benefits while the primary earner accrued delayed retirement credits, thereby increasing their benefit amount.
However, this "have your cake and eat it, too" loophole was closed with the Bipartisan Budget Act of 2015, which took effect in April 2016.
While it is still possible to file for benefits and then suspend payments temporarily, any other benefits that would normally be available on your account (such as spousal benefits) are no longer payable during such suspensions.
Deemed Filing
The 2015 law also stopped people born after Jan. 1, 1954, from double-dipping by claiming spousal benefits while accruing delayed retirement credits on their own accounts.
Previously, it was possible for those eligible for both types of benefits to claim spousal benefits first, while delaying a claim on their own account, a process sometimes called a restricted application. This allowed taxpayers to benefit from the earlier spousal payment while maximizing their own benefits through delayed retirement credits.
Under current law, spouses born after Jan. 1, 1954, are deemed to have filed for any and all benefits for which they are eligible as soon as they file for any of them. The payments they receive are based on whichever benefit amount is the highest.
Strategies for Maximizing Spousal Benefits
Every married couple has to figure out the best way to maximize their benefits depending on their own circumstances.
The three strategies below will help you make the most of your Social Security spousal benefits, depending on your circumstances. However, keep in mind that, regardless of your circumstances, the most a spouse can get is 50% of the amount that the higher-earning partner is entitled to at full retirement age.
1. Strategy for Late Claimers
If one partner has little or no earnings history, the best strategy is for the wage earner to postpone applying for Social Security retirement benefits until age 70 to get the highest amount possible. Full retirement age is 66 for most baby boomers and 67 for everyone born in 1960 or later, but by delaying claiming benefits until age 70, the wage-earner will accrue delayed retirement credits that will increase the monthly payments by 8% for each year of delay.
Keep in mind that this won't affect the spousal benefit amount. Spousal benefits differ from personal benefits when it comes to delaying payments. If you delay claiming for personal retirement benefits past full retirement age, the benefit increases over time, as explained above. However, that will have no impact on your spouse's benefits, since they max out at full retirement age (66 to 67). In other words, there is no benefit for your spouse in delaying the spousal benefit claim past your full retirement age.
On the other hand, if both partners work, and their earnings are more or less equal, their individual Social Security benefits will each be greater than the spousal benefit, so the best strategy for both is to postpone applying for benefits until age 70.
2. Strategy for Divorced Spouses
If you have been divorced for at least two years, you can apply for spousal benefits if your marriage lasted 10 or more years. If, on the other hand, you are still married and considering a divorce, and are near retirement age, try to apply for spousal benefits before your divorce is final. If you have been married and divorced multiple times, you can choose to receive whichever spousal benefit is highest. Saving your ex-spouses’ Social Security numbers and dates of birth will make the enrollment process easier.
3. Strategy for Widowed Spouses
Widows and widowers may receive full benefits at their full retirement age or reduced benefits as early as age 60, as explained in the sections above. Remarrying after age 60 will not affect your eligibility for survivors benefits. However, it may be more convenient for you to forego your widow or widower spousal benefits depending on your circumstances.
If your current spouse is also eligible for Social Security benefits and earns more than your former spouse, you may wish to apply for spousal benefits based on your new spouse’s record instead.
If you are collecting a survivor benefit, but also qualify for a benefit on your own, you may wish to collect a survivor benefit in the early years of retirement and leave your own Social Security benefits to accrue delayed retirement credits. Then, you can switch to your own retirement benefit as late as age 70.
How Do Social Security Spousal Benefits Work?
You're eligible for spousal benefits if you're married, divorced, or widowed, and your spouse is or was eligible for Social Security. Spouses and ex-spouses generally are eligible for up to half of the spouse's entitlement. Widows and widowers can receive up to 100%.
You can claim benefits based on your own work history or on that of your spouse. You'll automatically get the larger amount. (It's one or the other. You don't get both.)
If you are no more than three months away from age 62, you can apply online or by phone. If you plan to put off applying to get the largest payment possible, wait until you're no more than three months from full retirement age. That's 66 or 67, depending on your year of birth.
Can I Collect Half of My Spouse's Social Security at 62?
Not quite. The percentage of your spouse's Social Security that you receive starts at 32.5% at age 62 and steps up gradually to 50% at your full retirement age, 66 or 67, depending on your year of birth. The amount is based on your spouse's benefit at full retirement age.
The important point is this: Don't bother delaying past your full retirement age. The amount you receive won't grow beyond that age.
What Is the Maximum Spousal Social Security Benefit?
The maximum spousal benefit is 50% of the amount that the spouse is eligible to receive at full retirement age. That's a cap, by the way. If your spouse delays retiring until 70, the spouse gets more, but you don't.
Survivors may receive up to 100% of the deceased person's Social Security amount. There's a complicated formula for families in which more than one dependent is eligible for benefits. It caps the maximum.
How Can I Switch From My Social Security Benefit to a Spousal Benefit?
You can only switch from your benefit to the spousal benefit if your spouse has begun receiving retirement benefits and you are at least 62 years old (or are caring for a qualifying child).You can claim your benefit based on your work history until your spouse files, and then you can switch to the spousal benefit. However, if you're not at your full retirement age, you'll get paid a reduced spousal benefit, which can be as low as 32.5% of your spouse's primary insurance amount.
To monitor your benefits or change them, you can create an account on the Social Security site. It contains a wealth of information, and it allows you to make some changes online, although others require a phone call.
The Bottom Line
Maximizing your spousal Social Security benefits is all about the timing, and the timing is determined by your circumstances as a couple.
If both partners work, they should investigate what each partner's individual benefit will be. Unless one partner earns massively more than the other, it will probably pay for both to file individually, waiting at least to full retirement age, if not to age 70, if possible.
Correction—Feb. 14, 2022: A previous version of this article misstated the amount of the spousal benefit for a spouse retiring early at age 62.
Correction—Oct. 4, 2022: A previous version of this article misstated the timing of benefit eligibility for a spouse.
FAQs
How is spousal Social Security benefit calculated? ›
The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit.
How do I maximize my Social Security with spousal benefits? ›Both wait until age 70 to claim benefits
If you or your spouse (or even both of you!) can wait until you're 70, you'll receive your highest Social Security payments—up to 132% of your primary insurance amount (PIA) if your full retirement age (FRA) is 66, and 124% of your PIA if your FRA is 67.
A wife with no work record or low benefit entitlement on her own work record is eligible for between one-third and one-half of her spouse's Social Security benefit.
Why isn't my wife's spousal benefit 50% of my Social Security retirement benefit? ›Deeming means that when you apply for either your spousal benefit or your retirement benefit, you're deemed to have filed for both and you only receive essentially the larger of the two. If your retirement benefit is larger, you receive it instead of your smaller spousal benefit.
How is spousal calculated? ›Common methods for calculating spousal support typically take up to 40% of the paying spouse's net income, which is calculated after child support. 50% of the recipient spouse's net income is then subtracted from the total if they are working.
What is the average spousal Social Security benefit? ›The average monthly payout for all retired workers was $1,677.52 in November 2022 according to the Social Security Administration (SSA), while those claiming spousal benefits received an average check of $830.29. Here's how Social Security works for those looking to claim a spousal benefit.
What is the Social Security spousal benefits loophole? ›One Social Security loophole allowed married individuals to begin receiving a spousal benefit at full retirement age, while letting their own retirement benefit grow. This was done by filing what is called a restricted application.
Can I take my Social Security at 62 and then switch to spousal benefit? ›Can I file for my Social Security at 62 and switch to spousal benefits later? 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.
How do I get the $16728 Social Security bonus? ›Who is eligible for Social Security bonus? For every year that you delay claiming past full retirement age, your monthly benefits will get an 8% “bonus.” That amounts to a whopping 24% if you wait to file until age 70.
Can I collect spousal benefits and wait until I am 70 to collect my own Social Security? ›Can I collect Social Security spouse's benefits and my own retirement benefits? Yes.
Can I collect my husbands Social Security if he is still living? ›
As a spouse, you can claim a Social Security benefit based on your own earnings record, or collect a spousal benefit in the amount of 50% of your spouse's Social Security benefit, but not both. You are automatically entitled to receive whichever benefit provides you the higher monthly amount.
Can a wife draw husband's Social Security while he is alive? ›Yes, you can collect Social Security's on a spouse's earnings record. You may be able to do this in the form of spousal benefits, or as survivor benefits if you are a widow or widower.
Can you be denied spousal benefits? ›If your wife applied for spousal benefits and if her claim was disallowed, she can file an appeal. The instructions for filing an appeal are explained in the following Social Security publication: https://www.ssa.gov/pubs/EN-05-10058.pdf.
Can I receive retirement and spousal benefits at the same time? ›Each spouse can claim their own retirement benefit based solely on their individual earnings history. You can both collect your full amounts at the same time.
Do married couples get two Social Security checks? ›Not when it comes to each spouse's own benefit. Both can receive retirement payments based on their respective earnings records and the age when they claimed benefits. One payment does not offset or affect the other.
How is lump sum spousal support calculated? ›Lump-sum spousal support is calculated by multiplying the monthly amount owing pursuant to the SSAGs by the duration (the number of months for which support is payable) and then discounting for tax consequences and other factors.
How is Social Security calculated for divorced spouse? ›The marriage must have lasted for at least 10 years, and the divorced spouse must be at least 62 years old. If the requirements are met, the divorced spouse can receive an amount equal to as much as 50% of their ex's benefits.
What is considered a spousal equivalent? ›A spousal equivalent - This is another way of saying “domestic partner”. If you are living together on a permanent basis (even if it is across more than one home) and you are in a committed relationship – this would make you a “spousal equivalent”.
What is the spouse 50 rule for Social Security? ›Your full spouse's benefit could be up to 50 percent of your spouse's full retirement age amount if you are full retirement age when you take it. If you qualify for your own retirement benefit and a spouse's benefit, we always pay your own benefit first.
At what age can I collect 1 2 of my husband's Social Security? ›If you are receiving retirement or disability benefits, your spouse may be eligible for spouse benefits if they are: At least age 62. Any age and caring for a child who is under age 16 or who has a disability that began before age 22.
What is the difference between survivor benefits and widow benefits? ›
Spousal benefits are capped at 50 percent of the worker's benefit. Survivor benefits are set at 100 percent of the deceased worker's benefit.
Does length of marriage affect Social Security benefits? ›If you get Social Security disability or retirement benefits and you marry, your benefit will stay the same. However, other benefits such as SSI, Survivors, Divorced Spouses, and Child's benefits may be affected.
What changes are coming to Social Security in 2023? ›The most impactful change in 2023 is the 8.7% cost of living adjustment, or COLA, which takes effect this month. For instance, if you receive $2,000 a month from Social Security, the monthly payout will rise to $2,174 per month.
What will the Social Security increase be for 2023? ›Social Security benefits and Supplemental Security Income (SSI) payments will increase by 8.7% in 2023. This is the annual cost-of-living adjustment (COLA) required by law.
What is the Social Security bonus most retirees completely overlook? ›The $18,984 Social Security bonus most retirees completely overlook: If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security secrets" could help ensure a boost in your retirement income.
Do I have to apply for spousal Social Security benefits? ›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).
How long does it take for spousal benefits to be approved? ›Benefit applications can take up to three months to process, so apply three months before your planned start date. If you are drawing spousal or survivor benefits on another person's earnings record, your payment date depends on that person's birthday and follows the schedule above.
Are spousal Social Security benefits retroactive? ›By applying for Social Security spousal benefits after your full retirement age, you could be eligible for a "retroactive payment." The best way to apply for the spousal benefits is to wait until you reach your full retirement age and collect them immediately.
Which spouse should take Social Security first? ›Social Security Strategies for Spouses
With the first strategy, sometimes called the “62/70 split,” the lower-earning spouse takes Social Security as early as age 62 and the higher-earning spouse postpones filing until age 70 to maximize his or her benefit.
If you are receiving retirement or disability benefits, your spouse may be eligible for spouse benefits if they are: At least age 62. Any age and caring for a child who is under age 16 or who has a disability that began before age 22.
Does my spouse automatically get half my 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.
Can my wife take Social Security at 62 and then switch to spousal benefit? ›Can I file for my Social Security at 62 and switch to spousal benefits later? 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.
What are the rules for spousal benefits? ›You're eligible for spousal benefits if you're married, divorced, or widowed, and your spouse is or was eligible for Social Security. Spouses and ex-spouses generally are eligible for up to half of the spouse's entitlement. Widows and widowers can receive up to 100%.
How long can a spouse draw on husband's Social Security? ›If you get married at age 60 or older, you will still be able to collect the survivor benefits from your deceased spouse or deceased ex-spouse's record. You could choose to let your own benefit grow until age 70.