What are the requirements for a husband or wife to receive benefits?
A spouse receives one-half of the retired worker`s full benefit unless the spouse begins collecting benefits before full retirement age. In that case, the amount of the spouse`s benefit is permanently reduced by a percentage based on the number of months before he/she reaches full retirement age. For example, based on the full retirement age of 65, if a spouse begins collecting benefits at 64, the benefit amount would be about 46 percent of the retired worker`s full benefit. At age 63, it would be about 42 percent, and 37.5 percent at age 62. However, if a spouse is taking care of a child who is under age 16 or disabled and receiving Social Security benefits, a spouse gets full benefits, regardless of age.
If you are eligible for both your own retirement benefit and for benefits as a spouse, we always pay your own benefit first. If your benefit as a spouse is higher than your retirement benefit, you`ll receive a combination of benefits equaling the higher spouse`s benefit.
The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.
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- What are the requirements for a survivor to receive Social Security benefits?
- What is the maximum Social Security retirement benefit?
- What is the average monthly Social Security benefits for a retired worker?
- How long does a person need to work to become eligible for retirement benefits?
- When should I apply for retirement benefits?
- What is the earliest age that I can begin receiving retirement benefits?
- Will my benefit amount be the same for the rest of my life when I start receiving benefits?
- When will my retirement benefits begin?
- How are my retirement benefits calculated?
- Will my retirement pension from my job reduce the amount of my Social Security benefit?
- Will I receive more benefits if I delay my retirement?
- What month do retirement benefits begin?
- If I receive a government pension, how will this affect my Social Security benefits?
- Can I receive benefits on an ex-spouse`s Social Security record?
- If both my spouse and I are entitled to Social Security benefits, is there any reduction in our payments?
- What are the requirements for a divorced spouse to receive benefits?
- What age can I begin receiving full retirement benefits?
- I have never worked but my spouse has. What will my Social Security benefits be?
- Will a husband and wife`s combined benefits be reduced because of marriage?
- What is the definition of Full Retirement Age?
- Does Social Security recognize common law marriage for the purpose of paying survivors and spouse`s benefits?
- Can a non-citizen receive Social Security benefits?
- Can my spouse collect benefits at age 62 from her work and earnings and then receive additional benefits as a spouse?
- How does a divorced spouse qualify for Social Security benefits?