Which spouse should collect Social Security first?

If you qualify for your own retirement and spouse's benefits, we will always pay your own benefits first. If your benefit amount as a spouse is higher than your own retirement benefit, you will get a combination of the two benefits that equals the higher amount.


What is the best Social Security strategy for married couples?

Coordinating your benefits with your spouse's benefits can help you both get the most out of your Social Security payments. In some cases, it makes sense for both spouses to claim on the same spouse's earnings record. Many couples use a "split strategy," which means they begin claiming at different ages.

Should lower income spouse claim Social Security early?

Social Security Strategies for Spouses

With the first strategy, sometimes called the “62/70 split,” the lower-earning spouse takes Social Security as early as age 62 and the higher-earning spouse postpones filing until age 70 to maximize his or her benefit.


When should a married couple start collecting Social Security?

/ (You must be at least age 62 to begin receiving benefits.)

A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount.

Which wife can collect husband's Social Security?

You qualify for spousal benefits if: Your spouse is already collecting retirement benefits. You have been married for at least a year. You are at least 62 years old (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply).


When Can My Spouse Collect Social Security Benefits?



What percentage of a husband's Social Security does a wife get?

The wife of a retired worker is eligible for a spousal benefit of up to 50 percent of her husband's primary insurance amount ( PIA ), if claimed at her full retirement age ( FRA ).

Can a wife draw half of her husband's Social Security?

If they qualify, your ex-spouse, spouse, or child may receive a monthly payment of up to one-half of your retirement benefit amount. These Social Security payments to family members will not decrease the amount of your retirement benefit.

Do married couples get 2 Social Security checks?

Not when it comes to each spouse's own benefit. Both can receive retirement payments based on their respective earnings records and the age when they claimed benefits. One payment does not offset or affect the other.


Can I take my Social Security at 62 and then switch to spousal benefit?

Can I file for my Social Security at 62 and switch to spousal benefits later? Only if your spouse is not yet receiving retirement benefits. In this case, you can claim your own Social Security beginning at 62 and make the switch to spousal benefits when your husband or wife files.

When can my wife collect half of my Social Security?

If you are receiving retirement or disability benefits, your spouse may be eligible for spouse benefits if they are: At least age 62. Any age and caring for a child who is under age 16 or who has a disability that began before age 22.

Can I start spousal benefits and claim my own Social Security later?

Can I collect Social Security spouse's benefits and my own retirement benefits? Yes. If you qualify for your own retirement and spouse's benefits, we will always pay your own benefits first.


Can my wife get half my Social Security when I reach 65?

If your full retirement age is 66 and you begin to receive spousal benefits at age 62, you will receive 30% of your spouse's monthly benefit. If you claim spousal benefits at age 65, you will receive slightly less than 50% of your spouse's monthly benefit, depending on the exact month you start collecting payments.

How do I get the $16728 Social Security bonus?

Who is eligible for Social Security bonus? For every year that you delay claiming past full retirement age, your monthly benefits will get an 8% “bonus.” That amounts to a whopping 24% if you wait to file until age 70.

How does Social Security work for two spouses?

Each spouse can claim their own retirement benefit based solely on their individual earnings history. You can both collect your full amounts at the same time. Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP the Magazine.


What is the Social Security loophole?

The Voluntary Suspension Loophole

This Social Security loophole allowed a married worker to voluntarily suspend his/her own benefits after full retirement age, allowing the spouse to receive spousal benefits while the worker was not collecting benefits.

Can I take my husband's Social Security instead of mine?

You cannot receive spouse's benefits unless your spouse is receiving his or her retirement benefits (except for divorced spouses).

What is the highest Social Security payment?

The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2023, your maximum benefit would be $3,627. However, if you retire at age 62 in 2023, your maximum benefit would be $2,572. If you retire at age 70 in 2023, your maximum benefit would be $4,555.


Can my ex wife collect on my Social Security if I remarry?

If you remarry, you cannot receive benefits on your former spouse's record unless the new marriage ends (by death, divorce, or annulment).

Can I collect spousal benefits and wait until I am 67 to collect my own Social Security?

You can collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.

What is the maximum Social Security benefit for a married couple in 2022?

The maximum possible Social Security benefit in 2022 is $4,194 per month, or $50,328 for the year.


What is 2023 increase for Social Security?

The 8.7% increase announced for 2023 is the largest since 1981, when it was 11.2%. The biggest increase ever, 14.3%, was in 1980, when the US was in the middle of a deep recession. In fact, all the highest COLA were in the late 1970s and early 1980s.

How much is Social Security going up in 2023?

Social Security benefits and Supplemental Security Income (SSI) payments will increase by 8.7% in 2023.

What is the lowest Social Security payment?

For 2021, the minimum earnings threshold was $15,930, and it increased to $16,380 in 2022. For 2022, a worker with 11 years of coverage receives a special minimum Social Security benefit of $45.50 per month, while a worker with 30 years of coverage gets a special minimum benefit of $950.80 per month.


Can a woman collect Social Security from more than one husband?

Yes, you can. Notify the Social Security Administration that you were married more than once and may qualify for benefits on more than one spouse's earnings record. They will be able to tell you which record provides the higher payment and set your benefit accordingly.

What is the Social Security 5 year rule?

You must have worked and paid Social Security taxes in five of the last 10 years. If you also get a pension from a job where you didn't pay Social Security taxes (e.g., a civil service or teacher's pension), your Social Security benefit might be reduced.