Understanding Social Security Spouses’ Benefits

Did you know your spouse’s benefit amount could be up to 50% of your spouse’s full  retirement age benefit amount? If you qualify for a retirement benefit from your own  work history and a spouse’s record, we always pay your own benefit first. You cannot receive spouse’s benefits unless your spouse is receiving their retirement benefits  (except for divorced spouses).  

sbenefitsIf you receive your retirement benefit before your full retirement age, while waiting for  your spouse to reach full retirement age, your own retirement portion will be reduced.  When you add your spouse’s benefits later, the total retirement and spouse’s benefit  

together will be no more than 50% of the worker’s amount. You can find out more about this at www.ssa.gov/benefits/retirement/planner/applying7.html. 

Knowing about these benefits can help you plan your financial future. Access a wealth  of useful information on our retirement portal at www.ssa.gov/benefits/retirement.