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Image source: Getty Images. Qualification 2: You're at least 62 years old. Just like Social Security retirement benefits, you generally must be at least 62 to claim a spousal benefit.The same full ...
The average spouse of a retired worker collects just over $900 per month, according to data from the Social Security Administration from August 2024, so it pays to take advantage of this type of ...
The maximum spousal benefit is 50% of your spouse’s primary insurance amount. That’s the benefit they’ll qualify for once they’re full retirement age, which is 67 for anyone born in 1960 ...
Spousal benefits are reduced by 25/36 of 1% each month before your full retirement age, up to 36 months. Each month after that further reduces spousal benefits by 5/12 of 1% monthly. For example ...
This provision allows the lower-earning spouse to receive up to 50% of the higher-earning spouse’s benefit at full retirement age, but not until the spouse has become eligible for benefits. To ...
So if you're only eligible for $1,500 a month in Social Security but your spouse collects $3,200, your $1,600 spousal benefit is the more lucrative option -- and it's the sum Social Security will ...
When you apply for Social Security, you automatically apply for the greater of your benefit or half your spouse’s benefit. The average monthly payout for all retired workers was $1,918 in June ...
But if your retirement benefit were $800, the Social Security Administration would give you the $800 of your own benefit plus $200 of your spousal benefit, bringing you to a $1,000 monthly check ...
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