Do you know what spousal Social Security benefits are? As an American in 2025, you might get a little more money than you anticipated if you had a spouse or ex-spouse.
American individuals can access the various benefits offered by the Social Security Administration (SSA) in a variety of ways. You would therefore be interested in this if you fall into the retiree spousal category.
Retirement Social Security
There are numerous groups that can benefit from these kinds of public services, so Americans should be informed of all the various advantages they can receive from the SSA.
You may therefore be eligible to apply for Medicare, Supplemental Security Income (SSI), retirement, disability, survivor, and family benefits, depending on your situation.
Here, we’ll discuss retirement benefits, with a particular emphasis on spousal Social Security benefits. In retirement, Social Security is a monthly payment that replaces a portion of your income when you cut back on or quit working. Let’s now examine the requirements for applying for the benefits.
Conditions
You can now determine whether you qualify to get this benefit:
- Your ex-spouse did not apply for retirement benefits; your current spouse did.
- You must be at least sixty-two years old. If you are responsible for a kid under the age of sixteen or if the youngster has a disability, this is not required.
- Either your spouse’s benefit exceeds yours, or you haven’t put in enough effort to get your retirement benefits.
Let’s discuss the Amount
If your spouse reaches full retirement age (FRA), which varies based on your birth year, you could receive half of their benefits, or 50% of your spouse’s earnings.
For instance, you may earn $1,000 a month at the FRA if your spouse is entitled to receive $2,000 per month. If your spouse choose to retire after reaching full retirement age, this percentage will remain at 50%; it will not increase or decrease.
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However, your monthly benefit will be permanently lowered if you choose to begin receiving your spousal benefits prior to the FRA.
Based on the aforementioned example, if you choose the second option, you might receive $800 each month rather than $1,000. When you reach full retirement age, this sum won’t change.
Are you considered to be filing?
The term “deemed filing” describes citizens who are eligible to apply for both their own and their spouse’s benefits; therefore, you would need to apply for both. Out of the two benefits in this case, Social Security will provide you the largest payout.
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No benefits for divorced people?
Not at all! Divorce does not imply that one is not eligible for benefits. The following criteria could be used to apply for your ex-spouse’s benefits:
- Being at least ten years married to your former spouse.
- You must be unmarried now.
- You must be sixty-two years of age or older.
- Your ex-spouse must either meet the FRA or get Social Security payments. despite the fact that they have not yet received recognition.
Find Out More
You may estimate how many you would need if you were interested in this benefit. To seek a replacement Social Security card, check the status of an application, predict your future payments, or even manage the benefits you have already received, you must first register your own personal Social Security account.
You may activate online notifications and access all the tools on the Social Security Administration website, which is far faster than waiting for the mail to arrive. Clicking here gives you access to everything: SSA, or my Social Security
