When is spouse eligible social security

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Share with linkedin. Share using email. Keep in mind In most cases you must be at least 62 to get a spouse benefit, but you may qualify if you are younger and caring for a child who is under 16 or disabled and eligible for family benefits on your spouse's record.

Get a firsthand look at WISER's materials and the latest information, news and resources to help you plan for your financial future. Taking Benefits Early If your spouse takes Social Security before his full retirement age, his or her monthly benefits will be reduced. For example, if your full retirement age were 66, then the following reductions to benefits would apply: At age 65, you would receive At age 64, you would receive At age 63, you would receive However, there are a few eligibility requirements: You must have been married to your ex-spouse for at least 10 years.

You must be at least 62 years old. However, if your ex-spouse is deceased and you are currently unmarried, you may collect benefits as early as age 60 as a surviving divorced spouse. If he or she is deceased and you are disabled, you can collect benefits as early as age Your ex-spouse must be eligible for benefits and currently receiving benefits for you to qualify for spousal benefits.

If you were born after January 1 st , , you will be required to claim all benefits at one time both spousal and retirement and receive whichever is higher. If your ex has reached retirement age and is eligible to receive retirement benefits but has not yet applied, you can still apply for ex-spousal benefits if you have been divorced for at least two years.

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Share with linkedin. Share using email. If you file before full retirement age, you are automatically deemed applying for spousal benefits as well, as long as your husband or wife already is receiving Social Security. Congressional legislation in changed the rules applying to spousal benefits for anyone born after Jan. Zoom In Icon Arrows pointing outwards.

The amount of the reduction is greater the earlier you claim. VIDEO Invest in You: Ready. This is the age when Americans say they plan to retire.