Can You Get Your Spouse’s Social Security?
Social security benefits are a critical component of financial security for many individuals, especially in retirement. One of the most common questions among married couples is whether they can receive their spouse’s social security benefits. Understanding the rules and eligibility criteria can help ensure that you make informed decisions about your retirement planning.
Eligibility for Spousal Social Security Benefits
To be eligible for your spouse’s social security benefits, you must meet certain criteria. First and foremost, you must be at least 62 years old. However, you can start receiving benefits as early as age 60, but the monthly benefit amount will be reduced. If you wait until full retirement age, which is currently 66 to 67 depending on your birth year, your benefits will be at their full amount.
Another important factor is that you must be either currently married or have been married for at least 10 years. If your marriage ended due to death, divorce, or legal separation, you may still be eligible for benefits based on your ex-spouse’s work history.
How to Apply for Spousal Social Security Benefits
To apply for your spouse’s social security benefits, you can do so online, by phone, or in person at your local social security office. Applying online is the most convenient option, as it allows you to complete the process from the comfort of your home. To apply online, you will need to create a my Social Security account, which provides access to your personal information and benefit details.
If you prefer to apply by phone, you can call the Social Security Administration at 1-800-772-1213 (TTY 1-800-325-0778). A representative will guide you through the application process. Alternatively, you can visit your local social security office and speak with a representative in person.
Understanding the Benefit Amounts
The amount of your spouse’s social security benefits depends on several factors, including your own earnings history, your spouse’s earnings history, and your age at the time you start receiving benefits. Generally, your benefit amount will be a percentage of your spouse’s primary insurance amount (PIA), which is the amount they would receive at full retirement age.
If you start receiving benefits before full retirement age, your monthly benefit will be reduced. However, if you wait until after full retirement age, your benefit amount will increase, as long as you have not already started receiving benefits.
Considerations for Divorced Spouses
If you are a divorced spouse, you may still be eligible for benefits based on your ex-spouse’s work history. To qualify, you must meet the following criteria:
1. You were married for at least 10 years.
2. You are currently unmarried.
3. You are age 62 or older.
4. Your ex-spouse is entitled to social security benefits.
It’s important to note that if you remarry, you will no longer be eligible for benefits based on your ex-spouse’s work history.
Conclusion
Understanding whether you can get your spouse’s social security benefits is essential for planning your retirement. By familiarizing yourself with the eligibility criteria, application process, and potential benefit amounts, you can make informed decisions that will help ensure a comfortable retirement for you and your spouse. Always consult with a financial advisor or the Social Security Administration for personalized guidance and assistance.
