Key Takeaways. The maximum spousal benefit is 50% of the other spouse's full benefit. You may be eligible if you're married, divorced, or widowed. You can collect spousal benefits as early as age 62, but in most cases, the benefits are permanently reduced if you start collecting before your full retirement age.
People are only eligible for a spousal benefit when their own benefit is less than half of their retired spouse's benefit, or when they seek to delay their own application for Social Security benefits based on their own 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.
Your spouse must be receiving benefits for you to get benefits on their work record. If your spouse does not receive retirement or disability, you'll have to wait to apply on your spouse's record. In addition, to be eligible for spouse's benefits, you must be one of the following: 62 years of age or older.
Texas doesn't recognize domestic partnership agreements statewide, but some counties and cities (such as Austin, Dallas, Houston, and San Antonio) do. You may have to contact your county clerk to learn more about entering into a domestic partnership agreement.
How are spousal benefits calculated? The spousal benefit is based on your spouse's benefit at their FRA, regardless of whether your spouse claimed before, at or after their FRA. The percent you receive is based on your age when you apply for or become eligible for a spousal benefit.
You were married for at least 10 years and have been divorced for at least two years. You are unmarried when you apply for benefits. You are 62 or older. Your ex-spouse is at least 62 but does not have to be collecting retirement benefits.