Essential Requirements and Strategies for Qualifying for Spousal Social Security Benefits
Meeting the basic requirements
The good news is that you don't necessarily need your own work history to receive spousal benefits. Ways to qualify include reaching age 62 or caring for a qualified disabled child under age 16.
Some other caveats and what you can expect
First, if you remarry after you become eligible for divorced spousal benefits, you'll lose those benefits. However, the amount of your spousal benefit will depend on your spouse's earnings history and when you start collecting benefits.
Develop your plan strategically
Knowing these eligibility requirements can help you plan your retirement strategy. By delaying taking your own retirement benefits until you reach your full retirement age, you can maximize your potential spousal benefit.
Maximizing your income, together or not
Understanding the eligibility requirements and different claiming strategies can help you and your spouse work together to maximize your retirement income. Consulting with a financial planning advisor skilled in Social Security can further enhance your benefits.
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.