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The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit.
The Social Security spousal benefits loophole refers to strategies that some married couples have used to maximize their Social Security benefits. These strategies were allowed under prior rules but were curtailed by changes made in the Bipartisan Budget Act of 2015.
You may qualify for benefits on your spouse's Social Security earnings record if: You are 62 or older. Or, you are younger but caring for a child under 16 or a child with disabilities who is under 19. Your spouse is elgible for retirement benefits (62 or older)
However, your maximum spouse's benefit remains 50% of their full retirement age benefit, not their higher amount including delayed retirement credits. (Your benefit as a surviving spouse would be based on the higher amount.)
If you are still married, the other spouse must be receiving benefits before you can claim spousal benefits. And then you get either your own or half of your spouse's amount, whichever is higher and that amount will be reduced permanently if you are below full retirement age.
In general, a surviving spouse can collect either your SS benefits or their own SS benefits, whichever is greater, once both are at retirement age. But a spouse cannot collect both benefits. And there are a few complexities here.
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.
A wife with no work record or low benefit entitlement on her own work record is eligible for between one-third and one-half of her spouse's Social Security benefit.
In addition, to be eligible for spouse's benefits, you must be one of the following: 62 years of age or older. Any age if you have a child who is younger than 16 in your care or has a disability and is entitled to benefits on your spouse's record.
The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit.