Important Considerations for Retired Couples Regarding Social Security Spousal Benefits
Important Things Retired Couples Should Know About Social Security Spousal Benefits
Social Security spousal benefits are good for those with a limited work history, but they differ from standard workers' benefits.
Who's Eligible for Social Security Spousal Benefits
In order to qualify for Social Security spousal benefits, you must be married for at least one year, and your partner (the primary claimer) must already be collecting their benefits. From there, one of the following three must apply:
- You're at least 62 years old
- You're caring for your spouse's child who is under 16
- You're caring for a disabled minor who receives benefits on your spouse's record
Monthly Benefit Adjustments
Social Security uses a worker's full retirement age (FRA) to determine when they're eligible to receive their PIA. That PIA serves as a baseline, and their monthly benefit changes based on when they claim relative to their full retirement age.
Spousal benefits will change when a spouse passes away.
Survivor Benefits
If the primary claimer passes away while you're receiving spousal benefits, Social Security converts the spousal benefits to survivor benefits. You become eligible for survivor benefits at age 60, or at 50 if you're disabled.
You can't simultaneously receive spousal and survivor benefits, only the higher amount.
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.