5. month following the effective month. If you continue to work while receiving benefits, the retirement benefit earnings limit still applies until you reach full retirement age. Social Security spousal benefits allow one spouse to draw a benefit based on the earnings record of their current spouse, or in some cases a divorced ex-spouse. Will My Wife Get Social Security Spousal Benefits When I Start My Retirement Benefits? A spousal benefit is reduced 25/36 of one When you apply for Social Security spousal benefits, they may ask you to provide the following documents to confirm you are eligible: Applying and ensuring you claim the right benefit at the right time for your personal finances can be confusing. If you’re divorced, you’ll get the maximum spousal benefit, 50%, if you wait to reach your full retirement age. However, with spousal benefits, you have to apply for both your own earned benefit and spousal benefit at the same time. The Social Security Administration (SSA) issues benefits to retired workers as supportive income once the worker claims retirement benefits at or after age 62. Social Security spousal benefits are a part of a worker’s retirement or disability benefit given to their spouse. The one exception is divorced couples. Social Security retirement benefits can start as early as age 62, but your benefits will be permanently reduced by up to 30%. However, your benefit does not depend on when your spouse claims. Keep in mind, this would mean delaying when. We break down everything you need to know, and how to apply for spousal benefits. By a qualifying child, on your spousal benefit as a percentage of the worker's primary insurance amount. Spousal benefits allow you to get up to 50 percent of the total benefits your spouse is eligible for without taking away from their benefits. You may receive spousal survivor benefits as early as your 60th birthday if your deceased spouse was eligible for Social Security insurance benefits. If your spouse is not yet receiving retirement benefits, you can claim your own Social Security starting at 62, and later switch to spousal benefits when your spouse files. Typically, that means you’ve paid into Social Security for at least 10 years over the course of your life. and the worker's spouse chooses to begin receiving benefits 36 months before his or her Your spousal benefit is not affected by the age at which your husband or wife claimed Social Security benefits. People born on Jan. 1, 1954 or earlier, however, can still file a restricted application for just one benefit until they’ve reached full retirement age. Another requirement is that the spouse must (You must be at least age 62 to begin receiving benefits.). 1. Lower-earning spouses who claim their own Social Security benefit before full retirement age take a cut of as much as 25%. Any age and caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled. A: When a claimant is on a Social Security disability claim, spousal benefits are payable under that claim as soon as the spouse reaches age 62, says David Cechanowicz a … Once they hit full retirement age, if they hadn’t claimed any benefits, they could claim just their spousal benefits first, and delay taking their own earned benefits. Again, this means you will not have a choice about waiting and switching. You can claim a Social Security benefit based on your own earnings record, or you can collect a spousal benefit that will provide you 50 percent of the amount of your spouse’s Social Security benefit as calculated at their full retirement age, or FRA. 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