Spouse Applying For Social Security In Maryland
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The percentage of your spouse's full retirement benefit that you receive could be as little as 32.5% at age 62. It steps up gradually to 50% as you near your full retirement age, which is 65, 66, or 67, depending on your birth year. And don't bother delaying your spousal benefits past your full retirement age.
Social Security Program Rules The wife of a retired worker is eligible for a spousal benefit of up to 50 percent of her husband's primary insurance amount ( PIA ), if claimed at her full retirement age ( FRA ).
If you get Social Security disability or retirement benefits and you marry, your benefit will stay the same. However, other benefits such as SSI, Survivors, Divorced Spouses, and Child's benefits may be affected.
The percentage of your spouse's full retirement benefit that you receive could be as little as 32.5% at age 62. It steps up gradually to 50% as you near your full retirement age, which is 65, 66, or 67, depending on your birth year. And don't bother delaying your spousal benefits past your full retirement age.
If you choose to receive your spouse's benefits before you reach full retirement age, you will get a permanently reduced benefit. If you wait until you reach full retirement age to receive benefits, you'll receive your full spouse's benefit amount, which is up to one-half the amount your spouse can receive.
Social security for non working spouse Spouses who aren't eligible for Social Security on their own work record can apply for benefits based on the other spouse's record. The maximum spousal benefit is equal to 50% of the other spouse's benefit.
When a worker files for retirement benefits, the worker's spouse may be eligible for a benefit based on the worker's earnings. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care.
The first exception, which can be deemed as the Social Security spousal benefits loophole, works where an individual who remarries at 60 or later may still be entitled to Social Security survivors' benefits if the second marriage ends before the death of the first spouse.
If you are a widow (or your ex-spouse died), you may be eligible to receive benefits on your late spouse's, or ex-spouse's, Social Security record. How much you receive will depend on your age, the amount of benefits you may receive on your own record, and whether you have dependent children.
