Social Security Spousal Benefits: It can be somewhat challenging to determine the appropriate time for you or your spouse to begin receiving Social Security benefits. The following is a straightforward guide to assist you in understanding the regulations governing Social Security spousal benefits.
The spouse of a worker who registers for Social Security benefits may also be eligible to receive a spousal benefit, which is determined by the worker’s contributions. In order to be eligible for this spousal benefit, the spouse must satisfy one of the following criteria:
- Must be at least 62 years of age.
- The provision of care for a minor who is either under the age of 16 or is receiving Social Security disability benefits.
It is crucial to emphasize that the spouse is only eligible to receive the spousal benefit after the worker has submitted an application for their own Social Security benefits.
Understanding the Difference Between SSA Survivor Benefits and Widow Benefits
What is the maximum amount that a spouse may receive?
The spousal benefit may be as high as half of the worker’s “primary insurance amount,” which is the amount they are entitled to receive at their complete retirement age. Nevertheless, the benefit amount will be diminished if the spouse elects to commence receiving benefits prior to reaching their full retirement age.
The spousal benefit is not reduced if the spouse is under full retirement age and is providing for a qualifying child (one who is under 16 or receiving disability benefits). However, there is an exception to this reduction rule.
In certain instances, a spouse may also be eligible for a retirement benefit based on their own earnings. Social Security will provide the greater quantity if the personal retirement benefit exceeds the spousal benefit. The spousal benefit will be paid if it is greater.
Texas SNAP Payment Schedule: Find out who is next in line to receive food stamps this week
