Social Security spousal benefits are typically calculated as up to half of the primary worker's full retirement-age benefit amount. The exact amount you receive depends on when you start claiming benefits and your own earnings history.
If you are eligible for a spousal benefit, it is generally equal to 50% of your spouse's primary insurance amount (PIA), which is based on their average indexed monthly earnings. However, if you claim benefits before your full retirement age, your spousal benefit will be permanently reduced. Social Security will always pay you your own earned benefit if it is higher than the spousal benefit you are eligible for.
This information is for educational purposes and does not constitute financial advice; consult with a qualified professional for personalized guidance.
What are the main requirements to qualify for Social Security spousal benefits?
To qualify, you must be married to a worker who is receiving Social Security retirement or disability benefits. You must also be at least age 62 or caring for a child under age 16 or disabled. Your spouse must have worked long enough to be entitled to their own benefits.