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How Do Social Security Spousal Benefits Work? Social Security spousal benefits are part of the retirement income that a lower-earning spouse can receive based on the higher-earning spouse’s work ...
The base spousal benefit is equal to one-half of the higher-earning spouse's primary insurance amount -- i.e., the Social Security benefit they would be entitled to if they claimed at their full ...
Image source: Getty Images. 1. Your spouse must qualify for Social Security retirement benefits. You cannot claim spousal benefits on your partner's work record unless they have a work history ...
Social Security spousal benefits can be a great tool for couples, ... For example, if your full retirement age is 67 and you claim spousal benefits at 62, your monthly check will be reduced by 35% ...
The average monthly payout for all retired workers was $1,918 in June 2024, according to the Social Security Administration (SSA), while those claiming spousal benefits received an average check ...
They may want to delay their Social Security claim for a larger monthly benefit, but if that forces you to put off collecting spousal benefits, your partner may be willing to adjust their plan. 3.
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