What Are Social Security Spousal Benefits?

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Social Security provides several types of benefits, and not all are tied to your earnings. Spousal benefits are based on your partner's lifetime earnings, designed to bridge income gaps between spouses.
So how do you qualify? If your spouse is already receiving retirement or disability benefits, you've been married for over a year, and you're 62 or older, chances are you're eligible.
The amount you receive depends on your age when filing, typically ranging from 32 to 50 percent of your spouse’s full monthly retirement payment. However, there are a few important things to note.
First, collecting spousal benefits will not affect how much your spouse receives, so do not worry about their payments.
Second, if you are eligible for your own Social Security retirement benefit, you will receive the higher of the two, not both.
Finally, if you are divorced, you could still qualify for spousal benefits under certain conditions, as long as you are 62 or older and the marriage lasted at least 10 years. For further information, visit www.aarp.org/retirement/socia...
For even more information, visit www.aarp.org/retirement/socia...
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CHAPTERS
00:00 Social Security Spousal Benefits
00:21 What Are Spousal Benefits?
00:38 How to Qualify for Spousal Benefits
00:52 Social Security Spousal Benefit Amounts
#aarp #socialsecurity #spouse
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Опубликовано:

8 июл 2024

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Комментарии : 49

@PS-xi5rm 9 дней назад

She should have covered basic information on benefits for people whose spouse has died.

@robinchesser3477 Месяц назад

My fiancé was dying we did a quick hospital wedding he passed away two weeks later, no spousal benefits for me

@bobf4477 Месяц назад

pensions allow a survivor benefit, social security should allow the same. Should not matter what your own benefit is.

@CatherineMoore-rb1gx Месяц назад

They call it "Double Dipping" and act like it's a crime of some sort! But they do give you $255 for burial expense! How generous, huh?

@tmusa2002 12 дней назад

It’s definitely something to plan for because when one of you dies, the lower SS payment goes away. That’s a major part and consideration of a married couple’s retirement plan.

@brendathompson8368 Месяц назад

20 years they keep telling me that I have to wait until he dies.??? I’m retired and 79 now, never made the money he did as I had 3 kids to care for.

@AARPAnswers Месяц назад

@brendathompson8368, for information about spousal benefits and requirements, please visit our website: spr.ly/6055dAfaD Each case may be different, if you have any questions about your eligibility, please contact the Social Security Administration (SSA) at: 1-800-772-1213. - Diana G.

@CherylSimon-ij2db Месяц назад

I pray that you get to the right person to help you out. You most definitely do NOT need to wait until he dies. The woman in this clip had all the info you need. Must be his first wife for at least 10 years. It doesn’t matter how long it’s been since you’ve been divorced. If his death is a factor, I’m almost positive you should get the social security payments that you should have collected, retroactively. In other words if you were eligible for 20 years, they would owe you the total amount owed to you each month for the entire 20 years. Now if you were not his first wife or you were his first wife, it must be that marriage lasted at least 10 yrs. Not positive of whether he has passed away and you worked and put money into your own social security account if you would be eligible for payment under his social security rather than yours. If you never worked, you would receive social security benefits under his social security account. That’s a fact. I had an aunt that never worked a day in her life and she most definitely received social security payments under her deceased husband’s social security for many years after his passing. Please contact an attorney who is well educated in this area. Praying the right people are out in your path so you can collect all of the years that rightly belonged to you!

@myrtleborodziuk7163 Месяц назад

That's not true you can collect now .l went at 62 and they said I could collect on his his I got more on my own and when he passed they increased mine .you need to call them again

@tmusa2002 12 дней назад

@@myrtleborodziuk7163if her own benefit is more than half of his, then she wouldn’t want the spousal benefit. That could be what happened with this person.

@naomiostwalt4936 4 дня назад

@@AARPAnswers❤

@forhim370 Месяц назад

Im 3 months short of the 10 year mark. I put my career on hold for that man, so i could care for his 2 children and it has really cut my own benefits way down. We are divorced now. Wish there were exceptions for women like me.😢

@clareeceburnett3327 Месяц назад

How do I get the benefits I was married 51 years and divorced my husband for leaving me for younger phillopino 28 year old

@CherylSimon-ij2db Месяц назад

@@clareeceburnett3327 According to the info I got on the website, as long as you’ve been married at least 10 years you should collect $400 off of your ex husband’s social security for the rest of your life.

@michellebe-t3p Месяц назад

Oh I know exactly how you feel cause my husband divorced me 4 months before the 10 year mark also ~ he told me this was purposeful so I wouldn’t benefit from anything he had!

@forhim370 Месяц назад

@@michellebe-t3p so cruel. And it would not cost him anything or affect his benefits. Cruel

@sherrieglover1573 15 дней назад

I married more than 30 years he had his social securty we divorced my social security was 800 per month I filed for some of his they gave me 79.00 so I had to go back to work and we divorced ten years ago. The money from his investments court said half I never saw a dime in words this works for some but not all

@brianmerkel704 13 дней назад

That this is available at all to anyone who is divorced, and anyone who is not. The married person can also collect on their spouse’s social security if they earned more! Even though you paid in according to your income, but you can collect according to your spouse’s income if it was higher! And if you were married for 10 years and got divorced, you can collect on your exes social security! And we wonder why social security is going broke!

@tmusa2002 12 дней назад

Agree. I’m having a hard time understanding spousal benefits for married couples. Doesn’t make sense to me.

@carolinedunphy2763 2 дня назад

What is not clear is if your spouse passes away, you will have a choice of taking his social security or your own, whichever is higher. What is not made clear is the fact that you will no longer receive the lesser check.

@tmusa2002 2 дня назад

@@carolinedunphy2763 I’m aware of that because I’ve had family deal with that. You are correct, when one dies, only the greater amount is kept, but it’s not always that simple. You can start collecting survivor benefits at 60. And, if the surviving spouse’s benefit is higher, you can switch to that at a later date. My friend is planning to do this (and she cannot remarry until 60). Lots of reasons to talk to a pro about SS!

@trudyallmer4735 22 дня назад

Do common law have any rights

@2000shadesofgray 6 дней назад

Can you get spousal benefits from more than one spouse, or choose the hignest? I have 3 husbands who have passed.

@AARPAnswers 6 дней назад

@2000shadesofgray The AARP Social Security Resource Center is the best place to start for any information about Social Security: spr.ly/605593yvH There's information on a myriad of scenario's. For specific details, please reach out to Social Security directly at spr.ly/605793yvJ. Thanks! Jodee R.

@guyarlet4594 Месяц назад

My wife of 32 years passed away only a year after retiring. This led me to be forced into relocating to a different state. Where did all her benefits go to? Irresponsible politicians giving her hard earned benefit to illegal trespassers that have not contributed a single penny. Shame.

@myrtleborodziuk7163 Месяц назад

My kid brother only got 2 s s checks he worked 2 full time jobs all his life just retired from 1 and went part time on the other so his wife gets his but lost hers

@AndyB718 Месяц назад

Goes to survivor benefits and if they're more then yours you're entititled to them

@pbinnj3250 Месяц назад

Your wife’s benefits aren’t given away to “trespassers”. Politicians have made social security more complicated than necessary. Those who receive donations from insurance companies created “Advantage” plans that return medical benefits to private companies who can deny you care or medication if they want. Social security itself has certain penalties if you make too much money, even though you paid in that money. Scream at politicians, but trespasser are a different, and real, problem. Don’t confuse them.

@CatherineMoore-rb1gx Месяц назад

Same here! He died, Im 65,disabled, 21 year marriage, and I'm entitled to 0 his SS Benefits! Trust me when I say, I struggle. My husband served in the Vietnam War, 2 tours of duty!

@maurawhelan3530 23 дня назад

@@CatherineMoore-rb1gx you are entitled. Call again. Get someone knowledgeable…good luck!

@lauraparker3431 8 дней назад

Aarp

@ladonnafuller732 6 дней назад

What If Your Spouse Is Disable How Do They Find Out Without Being Penalized

@AARPAnswers 6 дней назад

@ladonnafuller732 If one spouse is collecting SSDI, the other spouse may be able to collect Social Security on the disabled spouse's record. Learn more about how spousal benefits work when one spouse is collecting SSDI: spr.ly/605393k1Z - Janelle M.

@clareeceburnett3327 Месяц назад

Married 51 years to cheater divorced him please tell me how to get my benefits

@forhim370 Месяц назад

Apply at social security offices.

@karenhill9495 Месяц назад

File

@ChristineNossoughi-fm5lu Месяц назад

We got separated after 7years of his cheating…but not divorced until after 12 years…would i still qualify? And what about his current wife…does she also get a portion? How does it divide up?

@AARPAnswers Месяц назад

@ChristineNossoughl-fm5lu, you would qualify for spousal benefits because you were legally married for more than 10 years. For information on how much your payout would be you would have to contact the Social Security Administration directly at 1-800-772-1213 or visit spr.ly/6053dtukR. - Zainab M