Important Strategies for Retired Couples to Maximize Social Security Benefits

Wednesday, 8 May 2024, 10:00

Learn how timing, eligibility, and marital status changes can impact your spousal Social Security benefits. Discover key rules to ensure you maximize your benefits for a more comfortable retirement. By understanding these strategies, you can make informed decisions to optimize your household benefits over the long term.
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Important Strategies for Retired Couples to Maximize Social Security Benefits

Timing is Everything

Understanding the importance of your full retirement age (FRA) is crucial in maximizing spousal Social Security benefits.

Birth Year

  • 1943 to 1954: 66
  • 1955: 66 and 2 months
  • ...

Claiming early can result in significant reductions to your benefits.

You Might Not Get a Spousal Benefit

Learn how dually eligible spouses can leverage retirement benefits to maximize their household benefits.

Changes to Marital Status

Understand how changes in marital status can impact your eligibility for spousal Social Security benefits and the importance of reviewing your claiming strategy accordingly.


This article was prepared using information from open sources in accordance with the principles of Ethical Policy. The editorial team is not responsible for absolute accuracy, as it relies on data from the sources referenced.


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