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Image source: Getty Images. 1. How your claiming age impacts your benefit. Just like when applying for personal retirement benefits from Social Security, when you claim spousal benefits can have a ...
The maximum Social Security benefit for someone reaching full retirement age in 2025 is $4,018 per month. That means the maximum possible spousal benefit is approximately $2,000.
Social Security spousal benefits are based on the PIA of the primary earning spouse. You can receive up to 50% of your spouse's PIA assuming you've reached full retirement age .
Your spousal benefit maxes out at 50% of your spouse's benefit at full retirement age. When you're claiming Social Security benefits based on your own earnings record, there's an upside to ...
The file-and-suspend rule previously allowed an individual at full retirement age or older to apply for Social Security benefits and immediately suspend them so his spouse could collect spousal ...
For example, if spouse A is the primary claimer and their monthly benefit at their full retirement age is $2,000, spouse B (the person claiming spousal benefits) is eligible to receive up to ...
The average monthly Social Security income is $1,884 for someone at full retirement age (FRA) right now, so many retiree households could be eligible for more than $900 of additional monthly benefits.
“The best strategy to claim Social Security retirement benefits as a spouse is to wait until you reach normal retirement age, 65 to 67, depending on birth year,” says Lindsay Malzone, a ...