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For example, if your full retirement age is 67 and you claim spousal benefits at 62, your monthly check will be reduced by 35% (it would be 30% for retired workers' benefits).
If your spouse files for benefits at age 62, your spousal benefit will be permanently reduced as well. But Don’t Necessarily Wait Until 70 To File, Either.
For example, if your full retirement age is 67 and you claim spousal benefits at 62, your monthly check will be reduced by 35%. If you claim at 64, it will be reduced by 25%.
Just like Social Security retirement benefits, you generally must be at least 62 to claim a spousal benefit. The same full retirement age applies, which is 67 for those born in 1960 or later, and ...
A spousal beneficiary must be: At least age 62 or have a qualifying child in their care. ... there's no delayed retirement credit for waiting beyond your full retirement age to claim spousal benefits.
Under this rule, if your full retirement age is 67 and you claim spousal benefits at 62, your monthly check will be reduced by 35%. If you claim at 64, it will be reduced by 25%.
If that child is either under age 16 or has a disability (and your spouse is at least 62 years old), you can file for spousal benefits at any age.
Claiming spousal benefits at 62 can lower benefits to 32.5% of the full amount the spouse's partner might be entitled to if they retire at their full retirement age (FRA), which is 67 for people ...
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