Key Information for Retired Couples Regarding Social Security Spousal Benefits

Monday, 18 March 2024, 20:00

Learn about the eligibility criteria and monthly benefit adjustments for Social Security spousal benefits for retired couples. Understand how spousal benefits change when a spouse passes away and the importance of navigating Social Security wisely.
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Key Information for Retired Couples Regarding Social Security Spousal Benefits

Key Points on Social Security Spousal Benefits

Social Security spousal benefits are crucial for retired couples, especially those with limited work history.

The formula used to calculate retirement benefits considers the 35 highest earning years, affecting the monthly benefits one can receive.

Eligibility for Spousal Benefits

  • Married for at least one year
  • Partner already receiving benefits
  • Meet certain age or dependant requirements

Couples should be aware of the benefit reduction for claiming spousal benefits before full retirement age and the conversion to survivor benefits after a spouse's passing.


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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