What-Benefits.com

when can i collect spousal benefits

by Dr. Grant McGlynn Published 3 years ago Updated 2 years ago
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age 62

What is the maximum Social Security spousal benefit?

However, in order to get the maximum spousal benefit, you and your spouse must meet these criteria:

  • Your spouse must have earned more than the Social Security maximum taxable wage limit for at least 35 years of his or her career.
  • Your spouse must be receiving his or her own benefit already.
  • You must wait until your full retirement age to file for benefits.

How to calculate spousal benefit?

Today's Social Security column addresses questions about how Social Security spousal benefits are calculated, whether it's necessary to file in January to get a given year's COLA and what effects of benefits rates not paying taxes can have. Larry Kotlikoff ...

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. Again, Social Security will pay the greater of the two benefit amounts.

Can my spouse collect Social Security before I retire?

No. You have to be receiving your Social Security retirement or disability benefit for your husband or wife to collect spousal benefits. When can a spouse claim spousal 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.

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How do I know if I am eligible for spousal benefits?

You qualify for spousal benefits if: Your spouse is already collecting retirement benefits. You have been married for at least a year. You are at least 62 years old (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply).

What are the rules for spousal benefits of Social Security?

To qualify for spouse's benefits, you must be one of these: At least 62 years of age. Any age and caring for a child entitled to receive benefits on your spouse's record and who is younger than age 16 or disabled.

When can a wife collect half of her husband's 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.

When can spousal Social Security benefits start?

62 years of ageBenefits For Your Spouse Even if they have never worked under Social Security, your spouse may be eligible for benefits if they are at least 62 years of age and you are receiving retirement or disability benefits. Your spouse can also qualify for Medicare at age 65.

Can my wife claim spousal benefits before I retire?

No. You have to be receiving your Social Security retirement or disability benefit for your husband or wife to collect spousal benefits.

Can I collect on my husband Social Security at age 62?

A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months.

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

The most you can collect in spousal benefits is 50 percent of your spouse's monthly benefit at full retirement age (the age at which a person becomes eligible for 100 percent of the benefit calculated from their lifetime earnings).

Can I collect ex spousal benefits 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.

Can I collect 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.

When will my spouse receive my full retirement?

You will receive your full spouse’s benefit amount if you wait until you reach full retirement age to begin receiving benefits. You will also receive the full amount if you are caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled.

How old do you have to be to get spouse's Social Security?

To qualify for spouse’s benefits, you must be one of these: At least 62 years of age.

What happens if your spouse's retirement benefits are higher than your own?

If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. Here is an example: Mary Ann qualifies for a retirement benefit of $250 and a spouse’s benefit of $400.

How old do you have to be to apply for retirement?

If you are at least 62 years of age and you wish to apply for retirement or spouse’s benefits, you can use our online retirement application to apply for one or both benefits.

How long do you have to be married to collect spousal benefits?

You qualify for spousal benefits if: Your spouse is already collecting retirement benefits. You have been married for at least a year. You are at least 62 (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply).

How much does spousal benefit affect?

Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit to which he or she is entitled at full retirement age, or FRA). Regardless of the amount of the spousal benefit, it does not affect the amount of your mate’s retirement payment.

How old do you have to be to receive survivor benefits?

You are at least age 60, unless you are disabled (then it’s 50) or caring for a child of the deceased who is under 16 or disabled (no age minimum). In most cases, survivor benefits are based on the benefit amount the late spouse was receiving, or was eligible to receive, when he or she died.

What percentage of survivor benefits are based on a child?

If the survivor benefit is based on your caring for a child, you receive 75 percent of the deceased’s benefit, ...

What is survivor benefit based on?

In most cases, survivor benefits are based on the benefit amount the late spouse was receiving, or was eligible to receive, when he or she died.

How much of a survivor's Social Security benefit do you get if you have a child?

If the survivor benefit is based on your caring for a child, you receive 75 percent of the deceased’s benefit, regardless of your own age when you file. Keep in mind. Your spousal benefit is not affected by the age at which your husband or wife claimed Social Security benefits.

How old do you have to be to be a sailor?

You are at least 62 (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply).

How much of my spouse's retirement is my full benefit?

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. You cannot receive spouse’s benefits unless your spouse is receiving his or her retirement ...

What is the maximum survivor benefit?

The retirement insurance benefit limit is the maximum survivor benefit you may receive. Generally, the limit is the higher of: The reduced monthly retirement benefit to which the deceased spouse would have been entitled if they had lived, or.

What happens if you take your reduced retirement first?

If you took your reduced retirement first while waiting for your spouse to reach retirement age, when you add spouse’s benefits later, your own retirement portion remains reduced which causes the total retirement and spouses benefit together to total less than 50 percent of the worker’s amount. You can find out more on our website.

Can my spouse's survivor benefit be reduced?

On the other hand, if your spouse’s retirement benefit is higher than your retirement benefit, and he or she chooses to take reduced benefits and dies first, your survivor benefit will be reduced, but may be higher than what your spouse received.

How much is spousal benefit?

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. However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced.

What is the reduction factor for spousal benefits?

For a spouse who is not entitled to benefits on his or her own earnings record, this reduction factor is applied to the base spousal benefit, which is 50 percent of the worker's primary insurance amount. For example, if the worker's primary insurance amount is $1,600 and the worker's spouse chooses to begin receiving benefits 36 months ...

What age do you have to be to file for retirement?

Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care.

Can a spouse reduce their spousal benefit?

However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced. If a spouse is eligible for a retirement benefit based on his or her own earnings, and if that benefit is higher than the spousal benefit, then we pay the retirement benefit. Otherwise we pay the spousal benefit. Compute the effect of early retirement ...

Does Social Security combine benefits?

That's because when you are eligible for two kinds of benefit, Social Security does not combine them but rather compares one to the other. If your retirement benefit is higher, you receive that amount. If the spousal benefit is larger, Social Security pays your retirement benefit first, then adds enough of your spousal benefit to make up ...

Do you get more Social Security if you have two Social Security benefits?

As a practical matter, however, you'll get the higher of the two amounts, and no more. That's because when you are eligible for two kinds of benefit, Social Security does not combine them but rather compares one to the other. If your retirement benefit is higher, you receive that amount. If the spousal benefit is larger, ...

Does Social Security pay your spousal benefit first?

If the spousal benefit is larger, Social Security pays your retirement benefit first, then adds enough of your spousal benefit to make up the difference and match the higher amount.

How long do you have to be married to qualify for spousal benefits?

You may also qualify for the spousal benefit If you’re divorced but the marriage lasted for at least 10 years and you’re not currently married.

How much is spousal benefit?

Depending on how old you are when you file, the spousal benefit amount will range between 32.5% and 50% of the higher-earning spouse’s full retirement benefit. Check out the chart below to get an idea of how the benefit works and what your payment might be if you can take advantage ...

What Does It Take to Qualify for Social Security Spousal Benefits?

Unlike most rules related to Social Security, the rules for the spousal benefit entitlement are pretty straightforward and easy to understand.

How many people receive Social Security benefits as a spouse?

A recent Social Security report found that 2.3 million individuals received at least part of their benefit as a spouse of an entitled worker. Some of these spouses had benefits of their own, but were eligible to receive higher benefit because the spousal benefit amount was greater than their own benefit. Others never worked outside the home ...

What is the most generous benefit available to retirees?

What’s one of the most generous benefits available to retirees? That’s easy. It’s Social Security spousal benefits ! These benefits are some of the most important, too.

What is the 1 year requirement for Social Security?

The 1-year requirement is also waived if you were entitled (or potentially entitled!) to Social Security benefits on someone else’s work record in the month before you were married. An example of these benefits would be spousal benefits, survivor benefits or parent’s benefits.

What is Julie's reduction to her own benefit?

This means that Julie’s reduction to her own benefit would be based on her age when she filed for her benefit. However, her reduction to the spousal benefit would be based on her age when Joe filed for his benefit. So, if Julie filed when she was 62, her own benefit would be reduced.

How old is a spouse on Social Security?

If a spouse was married for at least a year to a disabled worker who died while receiving Social Security disability benefits, the surviving spouse can get benefits in either of these circumstances: The surviving spouse is 60 years old or older. The surviving spouse is disabled and between 50 and 60.

How much does a surviving spouse get?

The amount varies between 75% and 100% of the deceased worker's monthly amount.

How much disability benefits do I get if I'm still living?

If the disabled worker is still living, a spouse generally receives 50% of the disabled worker's primary insurance amount (the amount of the husband or wife's monthly SSDI check), although if the disabled worker's children are collecting benefits at the same time, the spouse's benefit can be reduced. The total of the spouse's benefit and the children's benefit cannot be greater than the maximum family benefit, which is generally 150% of the disabled worker's monthly SSDI benefit. (Note that the benefits paid to a divorced spouse based on being over 60 or disabled are not counted toward the maximum family benefit and won't affect a current spouse's or child's benefits. However, benefits paid to a divorced spouse who is collecting a mother's or father's benefit are counted toward the maximum family benefit.)

What happens if a disabled person dies while receiving Social Security?

In addition, if a disabled worker dies while receiving Social Security benefits, the surviving spouse will receive a death benefit worth several hundred dollars if the surviving spouse was living in the same household.

How long can a spouse be married?

Spouses married for at least a year, divorced spouses who were married at least 10 years, and surviving spouses can be entitled to benefits based on the earnings record of the disabled spouse (or disabled ex-spouse).

What happens if a spouse gets divorced and remarried?

If a surviving divorced spouse gets remarried before age 60, however, Social Security benefits will be deni ed (unless the spouse was between 50 and 60 and disabled at the time of marriage). If the surviving divorced spouse gets divorced after age 60 (or age 50 if disabled), the Social Security Administration (SSA) will ignore the marriage.

How old do you have to be to get SSDI?

If an ex-spouse was married for at least ten years to a disabled worker who is collecting SSDI, the divorced spouse can get benefits if he or she is 62 years old or older.

How long do you have to be married to receive spousal benefits?

You will still need to be married for at least one year before applying for benefits. Spousal benefits differ from personal benefits when it comes to delaying payments. If you delay personal benefits past full retirement age, the benefit increases over time. However, spousal benefits max out at full retirement age.

How to apply for spousal benefits?

You can expect the following when applying for Social Security spousal benefits: 1 You can receive up to 50% of your spouse’s Social Security benefit. 2 You can apply for benefits if you have been married for at least one year. 3 If you have been divorced for at least two years, you can apply if the marriage lasted 10 or more years. 4 Starting benefits early may lead to a reduction in payments. 5 If you have a work history, you’ll receive either your benefit or the spousal benefit, whichever is greater. 6 To be eligible, your working spouse will need to have already claimed benefits.

What happens if you remarry and your spouse passes away?

If your spouse passes away and you get remarried, the benefits could change. “The important thing to remember in receiving survivor benefits is that if you remarry before age 60, this will cut off your eligibility to collect on your deceased spouse’s or deceased ex-spouse’s record,” Barzideh says. “This could be a very expensive decision, because while a spousal benefit entitles you to 50% of the other spouse’s benefits, a survivor benefit would entitle you to 100% of those benefits.”

How long do you have to be married to get Social Security?

You should be married for at least one year before applying for Social Security benefits. “You are eligible for spousal benefits if your spouse has filed for Social Security benefits and you are at least age 62,” Moraif says.

What is the full retirement age?

The full retirement age varies by birth year and is usually age 66 or 67 . If you are married and your spouse begins collecting $2,000 per month at full retirement age, your spousal benefit will be $1,000 if you start payments at your full retirement age. How Much You Will Get From Social Security. ]

How long do you have to be divorced to get a divorce?

In addition, you’ll need to have been divorced for at least two years and be currently unmarried. “Both you and your ex-spouse must be at least 62,” says Ben Barzideh, a wealth advisor at Piershale Financial Group in Barrington, Illinois.

Do you get spousal benefits if you have a work history?

If you have a work history, you’ll receive either your benefit or the spousal benefit, whichever is greater.

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