Spouse’s insurance benefit on Social Security

At FRA, a spouse is eligible for the larger of his or her retirement benefit based on his or her own record or ½ of the retirement benefit his or her spouse will be eligible for at his or her FRA based on that spouse’s record. If the retirement benefit a spouse would receive based on his or her own record is less than half of the retirement benefit his or her spouse would receive at his or her FRA based on that spouse’s record, the excess spouse’s insurance benefit at FRA is the difference between the retirement benefit a spouse is entitled to and ½ of the benefit his or her spouse would receive at FRA. We apply the appropriate early reduction factors to your spouse’s benefit if you claim them before your FRA. The spousal benefit eligibility rule stipulates that no matter his or her age, a spouse is not eligible for spouse’s benefits until the spouse whose earnings the claim is based on files for his or her retirement benefits. If you are eligible for both reduced retirement and reduced spouse’s benefits and you file for either, you will be deemed by law to have applied for both.

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