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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.
And if you decide that one of you will wait longer than the other to start collecting, it makes more sense for the higher earner to wait. In other words, the split strategy that many couples use is to have the lower earner collect first for as long as the couple can manage their finances on one Social Security payment.
Benefits For Your Spouse Even if they have never worked under Social Security, your spouse may be eligible for benefits if they are at least 62 years of age and you are receiving retirement or disability benefits. Your spouse can also qualify for Medicare at age 65.
How can I get a form SSA-1099/1042S, Social Security Benefit Statement? Using your personal my Social Security account, and if you don't already have an account, you can create one online. ... Calling us at 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday, am ? pm.
Need a replacement copy of your SSA-1099 or SSA-1042S, also known as a Benefit Statement? You can instantly download a printable copy of the tax form by logging in to or creating a free my Social Security account.