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Can I collect spousal benefits if my spouse receives social security?

You can’t collect spousal benefits unless your spouse already receives Social Security. If your spouse claims their own benefit, you are dually entitled. This means you apply for both retirement and spousal benefits simultaneously, and you’ll get the higher of the two amounts.

Can a spouse claim social security?

With just a little planning, you and your spouse can make the most of your Social Security benefits. Coordinating your benefits with your spouse's benefits can help you both get the most out of your Social Security payments. In some cases, it makes sense for both spouses to claim on the same spouse's earnings record.

How does Social Security spousal benefit work?

If you start receiving payments at full retirement age or older, your spousal benefit will be half of your spouse’s primary insurance benefit. Social Security spousal benefits allow spouses to claim benefits based on their partner's earnings record.

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