Spousal Social Security benefits can make a huge difference for married couples, especially if one spouse didn’t work much or earned significantly less. These benefits can provide a steady source of income in retirement, helping with everyday expenses. But how do you know if you’re eligible?
To qualify, you’ll need to meet a few key requirements. Let’s dive into the details and help you understand what it takes to claim these benefits.
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Did you know? If you’re divorced, you might still qualify for spousal benefits under certain conditions. Learn more in our article on how divorced spouses can receive Social Security benefits.
Qualification of Your Spouse for Social Security Retirement Benefits
First your spouse must have worked enough to qualify for Social Security benefits. This typically means earning 40 work credits. In 2025, a credit equals $1,810 in earnings, and you can earn up to four credits a year.
Your spouse must also be actively collecting their benefits before you can apply for spousal benefits based on their work history.
Meet the Marriage Length Requirement
To qualify for spousal benefits you and your spouse must have been married for at least one year. There are exceptions such as if you already had children together or were eligible for Social Security benefits before the marriage.
If you’re divorced, you could still claim spousal benefits based on your ex-spouse’s record. To do this, you must have been married for at least 10 years, and you must remain unmarried. However, if you remarry, you may qualify for spousal benefits under your new spouse’s record instead.
Your Spousal Benefit Must Be Higher Than Your Own
The Social Security Administration (SSA) will compare your own retirement benefit to your spousal benefit and pay you whichever amount is larger.
Your personal retirement benefit depends on your average earnings over your working years and the age at which you claim benefits. If you claim before your full retirement age (FRA) your benefit is reduced. The closer you are to your FRA the smaller the reduction.
Your maximum spousal benefit equals half of your spouse’s benefit at their FRA. claiming spousal benefits early can result in significant reductions.
Here’s a simple comparison:
| When You Claim | Your Own Benefit | Spousal Benefit |
| Before Full Retirement Age (FRA) | Reduced by 5/9% per month (up to 36 months) | Reduced even more (25/36% per month) |
| At FRA | Full benefit | Full benefit (up to 50% of spouse’s FRA benefit) |
| After FRA | Grows by 2/3% per month until age 70 | No extra growth beyond FRA |
For couples, understanding spousal benefits can lead to smarter retirement planning. If you’re curious about maximizing your benefits, check out our guide on spousal Social Security benefits and what retired couples need to know.
FAQs
1. Can I qualify for spousal benefits if my spouse hasn’t started their Social Security yet?
No, your spouse must start collecting their benefits before you can claim spousal benefits.
2. What happens if I remarry after a divorce?
If you remarry, you won’t qualify for spousal benefits based on your ex-spouse’s record. However, you might be eligible for benefits through your new spouse.
3. Can I delay spousal benefits for a higher payout?
No, spousal benefits don’t grow if you delay them past your full retirement age.
Final Words
Spousal Social Security benefits can be a financial lifesaver in retirement, but understanding the rules is key. Your spouse needs to qualify, your marriage must meet the length requirements, and your spousal benefit must be larger than your own retirement benefit to make it worthwhile.
Take time to explore your options and create a strategy that works best for your family. You can also contact the SSA for personalized guidance. A little planning today can secure your financial future for years to come!