Social Security spousal benefits: Here’s what spouses can get

Social Security provides benefits not only to retired workers but also to spouses who have not contributed to the program. Spouses are one of the many beneficiaries of Social Security, and even ex-spouses can claim a payout from the program in some circumstances.

When you apply for Social Security, you automatically apply for the greater of your benefit or half your spouse’s benefit. The average monthly payout for all retired workers was $1,918 in June 2024, according to the Social Security Administration (SSA), while those claiming spousal benefits received an average check of about $911.

Here’s how Social Security works for those looking to claim a spousal benefit.

Claiming spousal benefits from Social Security: How it works

When a worker files for benefits from Social Security, the worker’s spouse may be able to claim a benefit based on the worker’s contributions. For spouses to receive the benefit, they must be at least age 62 or care for a child under age 16 (or one receiving Social Security disability benefits). In addition, spouses cannot claim the spousal benefit until the worker files for their benefit.

There are other important caveats about the spousal benefit as well.

How much should you expect to get from spousal benefits?

“Spousal benefits are capped at half your spouse’s benefit at full retirement age. If [the worker] waits beyond that to claim, the spousal benefit cannot grow further,” says Claire Toth, former managing principal and senior wealth strategist at New Jersey-based Peapack-Gladstone Bank.

Toth is referring to the strategy of a retiree not claiming benefits until past full retirement age (typically between 66 and 67) in order to claim a bigger monthly benefit. Social Security will boost your benefit substantially if you delay filing until as late as age 70. It’s one way to juice your payout without working more.

However, if your spouse files before full retirement age, you will likely receive a permanently reduced benefit. Benefits may be reduced so that the spouse receives as little as 32.5 percent of the retiree’s benefit. The spousal benefit is reduced by about seven-tenths of 1 percent for each month before full retirement age, up to 36 months. If you exceed the 36 months, Social Security will dock about four-tenths of 1 percent for further months.

The math can be complicated, but Social Security provides a tool to calculate spousal benefits.

The exception to this rule of filing early is if a spouse is caring for a child under age 16 or one who is disabled, in which case the benefit is not reduced. In fact, this spouse could claim the spousal benefit at any age if they’re caring for a child who also receives benefits.

Who is eligible for spousal Social Security benefits?

In general, you may be eligible if you are married, divorced or widowed and your spouse was eligible for benefits.

Those who apply for spousal benefits must have been married for at least one year. Your spouse must also have begun receiving Social Security benefits — unless you are widowed. In the latter case, you may be able to receive the full amount of your late spouse’s benefits as opposed to the spousal benefit, assuming their benefit is higher than yours. However, you will not be eligible to receive your late spouse’s benefit if you remarry.

Even ex-spouses can file based on your earnings. The requirements for claiming benefits based on your ex-spouse’s work record include:

• You are unmarried.
• You must have been married at least 10 years.
• You must have been divorced from the spouse for at least two consecutive years.
• Your ex-spouse must be entitled to Social Security retirement or disability benefits.
• The benefit you would receive from your work record would be less than this spousal benefit.

“In theory, a person could marry someone new every 10 years and give them a spousal benefit as a parting gift,” says Russell D. Knight, an attorney in Chicago. “It’s better than nothing.”

But it’s not like that money comes out of your monthly benefit check, so rest easy.

“When this happens, there’s no reduction to either the high earner or the current spouse – the Social Security Administration deals with this actuarially,” says Warren Ward, CFP at WWA Planning & Investments in Columbus, Indiana.

Strategies for claiming a spousal benefit

Social Security offers quite a few options for how to claim your benefits, and while the options are meant to give flexibility to retirees and others, they do create more complexity. Everyone wants to get all the benefits they’re entitled to, and this complexity might obscure an avenue to receiving more money from the program.

Spouses have a few ways to proceed here, and the best course of action often depends on your personal financial situation.

When should you claim spousal benefits?

While the best age to claim spousal benefits is a personal decision, you can’t claim these benefits before age 62. If you opt for sometime after reaching age 62 and before your full retirement age, you’re likely to see your benefits reduced.

And if you wait until after your full retirement age, benefits won’t increase. The wage earner may benefit from delaying benefits until age 70, but the spouse applying for benefits won’t.

For those looking to max out their spousal benefit, one course of action is obvious.

“The best strategy to claim Social Security retirement benefits as a spouse is to wait until you reach normal retirement age, 65 to 67, depending on birth year,” says Lindsay Malzone, a Medicare expert who has worked at Medigap.com. “Unless you currently care for a qualifying child, you will receive a reduced benefit if you have not yet attained normal retirement age.”

But there are exceptions to this general rule, especially if you believe your longevity is an issue.

“We usually start by considering health: How long did the same-sex parent live and what’s the current health situation for both partners,” Ward says. “Those with long expected life spans and good health are usually best off waiting until the maximum benefit is available.