Social Security’s Gift to Married Couples: The Spousal Benefit

November 21, 2020 by No Comments

One of the benefits of being married is that you can share your spouse’s Social Security benefits. If you are close to retirement age, you should be aware that there are various benefits available to spouses, including divorced or surviving spouses.

Chances are you are already aware that spousal benefits are available and you’re looking for answers to questions, such as:

 

  • My wife doesn’t have enough credits to qualify for Social Security; can she collect benefits based on my record?
  • My husband and I have been married for 35 years but are divorcing soon; what will happen to my spousal benefits when the divorce is final?
  • What happens to my widow’s benefits if I remarry?
  • I am collecting benefits on my ex-husband’s record, what happens if he dies?
  • How can we maximize our family benefits? Are there strategies that we should be aware of?

 

Why is Planning for Spousal Benefits Important?

With Social Security making up approximately 40% of the average American’s retirement income, it’s important to maximize your lifetime benefits not only for yourself, but for your spouse also.

The rules surrounding spousal benefits are very complicated. Making a wrong decision could mean a lower standard of living and could increase the chance that you will outlive your money.

Retirement Benefits for Spouses

Disclaimer: For simplicity, this article assumes that the husband is the higher earner and that the wife will receive spousal or survival benefits based on her husband’s earnings. However, the spousal rules are gender neutral; if the wife is the higher earner, or if it makes sense for other reasons, the husband can certainly claim spousal benefits on his wife’s earnings instead.

Wives can collect retirement benefits based on their husband’s earnings history even if they have never worked. However, there are many rules and requirements that must be met, including:

 

  • You must be married for at least one year before you can collect benefits based on your spouse’s earnings history
  • You must be at least age 62
  • Your husband must have filed benefits on his own record (that does not necessarily mean he is collecting benefits)

 

If there are minor children involved the rules are a little different. Wives who are caring for a dependent child who is receiving Social Security can receive the spousal benefits no matter what age she is. However the spousal benefits will end when the child turns 18 if the spouse is under age 62.
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