How does Social Security work for two spouses?

How does Social Security work for two spouses?

Each spouse can claim their own retirement benefit based solely on their individual earnings history. You can both collect your full amounts at the same time. However, your spouse’s earnings could affect the overall amount you get from Social Security, if you receive spousal benefits.

Can I apply for Social Security under my ex husband?

You can apply for benefits on your former spouse’s record even if he or she hasn’t retired, as long as you divorced at least two years before applying.

What happens when you apply for Social Security as a spouse?

If you do have enough credits to qualify for your own Social Security benefits and you apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit.

Can a spouse collect Social Security on their own work record?

You can collect benefits on a spouse’s work record regardless of whether you also worked. If your own retirement benefit is lower than your spousal benefit, Social Security will pay you the higher amount.

Do you get spousal Social Security benefits if you delay retirement?

If you delay personal benefits past full retirement age, the benefit increases over time. However, spousal benefits max out at full retirement age. There is no benefit to delaying your spousal benefit claim past your full retirement age. Divorce and Social Security Spousal Benefits

How old do ex spouses have to be to get Social Security?

Thank you for your question, Dwight. Generally, Social Security benefits are Federal benefits and are not subject to division in state courts. If the marriage lasted 10 years or longer, your ex-spouse may be eligible to receive benefits on your record at age 62 or older.