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Spousal benefits can be claimed as early as age 62 but will be reduced by 25/36 of 1% for each month before full retirement age, up to 36 months early. Beyond 36 months early, the reduction is 5/ ...
You must be at least 62 years old (the earliest age allowable for claiming retirement benefits) to claim spousal benefits. There is an exception to this, though.
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 you claim at 64 ...
Claiming Age. Percent of Spouse's PIA. 62. 32.5%. 63. 35%. 64. 37.5%. 65. 41.7%. 66. ... you're eligible to claim spousal benefits based on their earnings record as long as you don't remarry ...
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%. The penalty for ...
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 ...
The possibility of claiming spousal benefits can only further complicate the decision. To simplify the process, consider running some basic comparisons of your expected monthly benefit under ...
If you're 62 years old and your partner receives Social Security income, you can get a larger spousal benefit by waiting until your own FRA to claim. There's a key difference to consider between ...