To qualify for spouse's benefits, you must be one of the following: 62 years of age or older. Any age and have in your care a child younger than age 16, or who has a disability and is entitled to receive benefits on your spouse's record.
When a worker files for retirement benefits, the worker's spouse may be eligible for a benefit based on the worker's earnings. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care.
The maximum spousal benefit you can receive is 50% of your spouse's benefit at their full retirement age. The precise amount you'll get and when you'll get it depends on several circ*mstances, including your spouse's age and past income, your age and past income, and more.
To qualify, you must have been married to the deceased spouse for at least nine months, with some exceptions, and be at least 60 years old or 50 if you're disabled. "The survivor benefit amount is based on the deceased spouse's earnings record and can be up to 100% of their benefit," Miller said.
No. You have to be receiving your Social Security retirement or disability benefit for your husband or wife to collect spousal benefits. This wasn't always the case.
If your spouse is not receiving any retirement benefits yet, then you could technically take your regular Social Security benefit as early as age 62. When your spouse files for their benefit later you could switch to spousal benefits.
If you qualify for your own retirement benefit and a spouse's benefit, we always pay your own benefit first. You cannot receive spouse's benefits unless your spouse is receiving his or her retirement benefits (except for divorced spouses).
The current spouse benefit is based on 50 percent of the PIA of the other spouse. Reduce this percent each year by 1 percentage point beginning with newly eligible spouses in 2024, until the percent reaches 33 in 2040.
The number of credits you need to receive retirement benefits depends on when you were born. If you were born in 1929 or later, you need 40 credits (10 years of work). If you stop working before you have enough credits to be eligible for benefits, the credits will remain on your Social Security record.
Here's what that means for Social Security survivor benefits. If you've been married multiple times, your current and former spouses could be eligible for Social Security benefits based on your earnings record, subject to certain requirements.
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