Find out how Social Security spousal benefits work and if your wife needs to take action.
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Payments for spouses of eligible Social Security earners. Up to 50% of your monthly benefit.
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You’ve filed for benefits. She’s 62 or older OR cares for a qualifying child.
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Full benefits: 50% of your monthly amount at full retirement age (FRA). Reduced benefits: Claiming early lowers the amount.
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Does She Need to Apply? Yes! Spousal benefits aren’t automatic. File online, by phone, or at a local SSA office.
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SSA will pay her the higher amount. Ex: If her retirement benefit is $1,600, she’ll get that instead of spousal benefits.
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Claim at full retirement age (67) for the maximum amount. Early claiming lowers lifetime benefits.
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