benefit based on the worker's earnings. Compute the effect of early retirement for spouses Spousal benefits allow you to get up to 50 percent of the total benefits your spouse is eligible for without taking away from their benefits. If you receive spousal benefits and are also entitled to disability. Intended for married couples with a sole or primary breadwinner, spousal benefits can significantly increase the amount of money you have coming in during retirement. However, your benefit does not depend on when your spouse claims. Another requirement is that the spouse must But all's not lost. Here’s what you need to know about how the Social Security Administration calculates spousal benefits. Social Security is much broader than just the benefits provided to retired workers. Under the new law (which affected everyone going forward, regardless of birth year) if your spouse suspends his or her earned benefits, your spousal benefits also will be suspended. insurance amount. Note that eligibility for the spousal disability benefit will end if he or she becomes eligible to receive significantly higher Social Security benefits on his or her own record. doing so may result in a benefit as little as 32.5 percent of the worker's Note that the full retirement age for survivors is different than the full retirement age for Social Security retirement benefits. 3. Next, the SSA calculates 50% of your spouse’s PIA. But if you’re married, you’ll also have to run some calculations and consider and decide when you and your spouse should start collecting benefits based on varying income history, age, health, and life expectancy. primary insurance amount. However, with spousal benefits, you have to apply for both your own earned benefit and spousal benefit at the same time. Social Security retirement benefits can start as early as age 62, but your benefits will be permanently reduced by up to 30%. /, Enter the effective month and year for which you would like to begin receiving benefits: Keep in mind, this would mean delaying when. If you’ve been divorced more than once, your benefit can be based on your highest-earning spouse if that marriage meets the qualifications. Spousal benefits from Social Security When a worker files for benefits from Social Security, the worker's spouse may be able to claim a benefit based on the worker's contributions. Compute the effect of early retirement for spouses, Website Policies A recent law changed the way many people can claim spousal benefits. Birth certificate (or another proof of birth), Marriage certificate (and if applying as a divorced spouse, you’ll need a certified copy of the final divorce decree. This benefit is even more important for many divorced spouses, as it might represent the only benefits available to many divorcees. When can a spouse claim spousal benefits? If My Spouse Dies, Can I Collect Their Social Security Benefits? Calculate your Social Security benefits with a 4-question quiz. Hi, Maureen. month following the effective month. That 50% is the most you could be eligible for—but as with earned benefits, you’ll receive less if you claim before your full retirement age. The maximum spousal benefit is equal to … If you claim benefits before your full retirement age (table directly below), your benefits will be permanently reduced based on the number of months until you reach that age. Benefits For Your Family If you’re getting Social Security retirement benefits, some members of your family may also qualify to receive benefits on your record. Based on the GPO provision, if a person receives a government pension based on their earnings that were exempt from Social Security taxes, any Social Security spousal or survivor benefits … For this to work, your spouse must have already filed for their benefits. If the spouse begins receiving benefits So if your spouse’s PIA is $1,000, you could receive a maximum of $500 in spousal benefits. Then we compute the reduction factor, which is 36 times 25/36 of one percent, or Calculate the Social Security you’re owed, which is based on birth year, and could be between age 65 and 67, Have a spouse that is already collecting their Social Security benefits, Have an earned benefit that is lower than your potential spousal benefit, Be age 62 or taking care of a child who is age 16 or younger or disabled, who is the child of your spouse and who is also receiving Social Security benefits based on the spouse’s work record, Have been married to the relevant ex-spouse for at least 10 years, Be unmarried (your ex, however, can be remarried), Have been divorced for two years before you claim, If you’re taking care of a child who is younger than 16 or who is disabled. we mean a child who is under age 16 or who receives Social Security disability benefits. Your spousal benefit is not affected by the age at which your husband or wife claimed Social Security benefits. / Jennifer Thomas is a Chicago-based writer and editor who writes about social security, retirement, business, finance, health and lifestyles. It will always be based on your mate’s primary insurance amount. Applying a 25 percent reduction to the $800 amount gives a spousal benefit Once they hit full retirement age, if they hadn’t claimed any benefits, they could claim just their spousal benefits first, and delay taking their own earned benefits. You can claim a Social Security benefit based on your own earnings record, or you can collect a spousal benefit that will provide you 50 percent of the amount of your spouse’s Social Security benefit as calculated at their full retirement age, or FRA. 5. Social Security's history goes back to a time when one-worker families were much more common than they are today, and some believe that spousal benefits have become obsolete. retirement benefit. Social Security spousal benefits are a part of a worker’s retirement or disability benefit given to their spouse. En español | When a Social Security beneficiary dies, his or her surviving spouse is eligible for survivor benefits. (You must be at least age 62 to begin receiving benefits.). When you turn 70, you would then switch to those earned benefits (assuming they are larger). Will My Wife Get Social Security Spousal Benefits When I Start My Retirement Benefits? Thus, in this case, the final spousal benefit is 37.5 percent of the primary The Social Security Administration (SSA) allows several exceptions to the one-year marriage requirement to qualify for spousal benefits. 1. His or her spouse, however, was still allowed to start collecting spousal benefits. normal retirement age, we first take 50 percent of $1,600 to get an $800 base spousal A Testimonial from a Reader on Amazon: First, the Social Security Administration (SSA) calculates the benefits owed on your own earnings record (if you qualify). When you’re ready to apply, we recommend using a checklist to ensure you take the right steps and have the right documentation. Social Security spousal benefits are just one of these features. There are two exceptions where deemed filing doesn’t apply: The second loophole that the law ended was a practice called file and suspend. File and suspend was a popular method used by married couples to get the most out of their Social Security benefits. 7  If one spouse is already receiving their own benefits, and later becomes eligible for a spousal benefit, there is a formula that is used to determine what amount of spousal benefit (if any) they may receive. If your spouse’s full retirement age benefit amounts to $2,000 per month, your spousal benefit at your full retirement age could amount to $1,000 per month. Eligibility requirements and benefit information. While the Bipartisan Budget Act of 2015 ended some of the strategizing around spousal benefits, but there are still ways to maximize your spousal benefits: Spousal benefits can play an important role in a comfortable retirement. We break down everything you need to know, and how to apply for spousal benefits. Instead, you will receive whichever benefit is higher. A spousal benefit is reduced 25/36 of one Here are two of the major exceptions: An individual seeking spousal benefits may qualify if married to the worker for less than one year if he or she is the natural (biological) parent of the worker’s child. You can apply for retirement benefits at age 70 to receive all the delayed retirement credits.Our system is set up to take applications four months in advance, and when you’re ready, you can apply for your retirement benefits online.. If they qualify, your ex-spouse, spouse, or child may receive a monthly payment of up to one-half of your retirement benefit amount. To qualify for spouse’s benefits, you must either be: At least 62 years of age. If a spouse is eligible for a retirement benefit based on his or her own earnings, You may decide to restrict your benefits application by: 1) filing for benefits under your own work record, or 2) filing for benefits as a widow/widower. If you receive a pension based on work not covered by Social Security (for example government work), you can still collect Social Security spousal benefits, but the amount will be reduced. The many rules can feel confusing, and the best way to calculate your own benefit is to use a Social Security benefits calculator. Economic Security Planning, Inc. Today’s column addresses questions about when it’s possible to file for spousal benefits, who can still file restricted applications for spousal benefits only, divorced spousal benefits after early retirement benefits and eligibility for disability benefits … If you’re divorced, to qualify for spousal benefits you must: The amount of your spousal benefit depends on 1) your spouse’s earnings history and 2) how old you are when you claim your benefits. Once approved, you will receive monthly payments by check or direct deposit. further reduced 5/12 of one percent per month. / If the number of months exceeds 36, then the benefit is PIA is the amount of Social Security benefits that your spouse is entitled to at his or her full retirement age (which is based on birth year, and could be between age 65 and 67 – see table in “How are spousal benefits calculated for Social Security?” section). ), Enter your date of birth If you’ve worked enough to qualify for your own Social Security retirement benefits, you will not get both benefits added together. The 2015 law, however, changed the rules so that anyone born on or after Jan. 2, 1954 is affected by deemed filing even after he or she reaches full retirement age. in . If your spouse is not yet receiving retirement benefits, you can claim your own Social Security starting at 62, and later switch to spousal benefits when your spouse files. 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