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Make edits, fill in missing information, and update formatting in US Legal Forms—just like you would in MS Word.

Download a copy, print it, send it by email, or mail it via USPS—whatever works best for your next step.

Sign and collect signatures with our SignNow integration. Send to multiple recipients, set reminders, and more. Go Premium to unlock E-Sign.

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62 years of age or older.
This Social Security Spousal Rule Finally Fizzled Out in 2024 — But These 3 Strategies Remain. A Social Security spousal rule that was around for decades ended this year for the last eligible retirees — those who turned 70 on Jan. 1, 2024.
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.
Last Updated: April 18, 2025 If you don't have enough Social Security credits to get benefits on your own work record or your own benefit is small, you may be able to receive benefits as a spouse. Your spouse must be receiving benefits for you to get benefits on their work record.
Randall, in order for your wife to be eligible for spousal benefits, you need to have already filed for your own benefits. If that's the case and your wife is at least 62 years old, she can apply for her spousal benefit.
Average Wait Times for Your Application To Be Approved Type of Social Security BenefitAverage Wait Time for Approval Retirement benefits Six weeks Disability benefits Three to five months Survivors benefits Two to three months
Applying online for your Social Security benefits is the easiest and most convenient way to apply.
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.
This Social Security Spousal Rule Finally Fizzled Out in 2024 — But These 3 Strategies Remain. A Social Security spousal rule that was around for decades ended this year for the last eligible retirees — those who turned 70 on Jan. 1, 2024.
Either spouse can maximize their regular Social Security benefit amount by waiting past their full-retirement age to apply, up to age 70. Benefits generally increase 8% each year filing is delayed.