Find out how Social Security spousal benefits work and if your wife needs to take action.

Will Your Wife Get Benefits Automatically?

Image - freepik

Payments for spouses of eligible Social Security earners. Up to 50% of your monthly benefit.

What Are Spousal Benefits?

Image - freepik

You’ve filed for benefits. She’s 62 or older OR cares for a qualifying child.

Who Can Get Spousal Benefits?

Image - freepik

Full benefits: 50% of your monthly amount at full retirement age (FRA). Reduced benefits: Claiming early lowers the amount.

How Much Will She Get?

Image - Istock

Does She Need to Apply? Yes! Spousal benefits aren’t automatic. File online, by phone, or at a local SSA office.

Image - pinterest

SSA will pay her the higher amount. Ex: If her retirement benefit is $1,600, she’ll get that instead of spousal benefits.

What If She Has Her Own Benefits?

Image - pinterest

Claim at full retirement age (67) for the maximum amount. Early claiming lowers lifetime benefits.

Timing Matters!

Image - pinterest

Maximize Your Benefits!

Image - Freepik