Spousal Social Security Benefits
The amount of one’s Social Security spousal benefit depends on multiple factors. These factors include one’s age, the maximum benefit received by one’s spouse, and whether one is eligible for other benefits. Overall, the maximum benefit claim amount for spouses is 50% of the primary beneficiary’s total benefits. However, there are other factors that affect this percentage.
For example, if you do not have a disabled child to care for, or you fall within some social security exception, it may be more difficult to claim spousal until your working spouse claims retirement benefits. If you are 62 years old or more, you can claim spousal benefits.
The amount given to a surviving spouse or a divorced spouse is determined based partially on whether the spouse is taking care of the deceased person’s children. The amount given to the spouse can be between 75% to 100% of the deceased worker’s monthly earnings. In other cases, where a disabled worker dies while getting his disability benefits, the spouse may be able to obtain death benefits. However, SSA will first verify numerous details before providing any benefits.
If your spouse is disabled and alive, you can receive almost half of the disabled worker’s primary insurance amount. If the children of a disabled person are getting benefits, and the spouse also applies for the same, the disability benefits for spouse may be issued accordingly.
The total benefits received by children and spouses can never be more than the maximum limit of family benefits, i.e., 150% of the disabled workers’ monthly social security disability insurance benefits. SSA follows a specific procedure to determine social security benefits.
Calculating Social Security Insurance Benefits of a Spouse
- One of the main factors involved in determining a secondary beneficiaries’ social security benefits is retirement age. If a spouse waits until his or her full retirement, he or she may be eligible for a maximum spousal benefit. Full retirement age varies between 65 and 67 years of age, depending on one’s year of birth.
- For those born after 1960, the full retirement age is 67. Although some spouses choose to claim their spousal benefits as soon as possible, this can significantly reduce the maximum amount which you would otherwise be entitled to. The amount of the spousal benefits is reduced, as per the remaining months till full retirement age.
- In other words, the percentage increases toward the maximum spousal benefit of 50% as full retirement age approaches.
Social Security Benefits for Dependent Spouses
- For spouses who have never worked or paid into Social Security taxes, spousal benefits represent the only source of retirement income. These spouses are eligible for spousal social security disability benefits. you can explore your chance to receive benefits if the beneficiaries are at least 62 years of age and are either receiving or eligible to receive, retirement, or disability benefits.
- Spouses may also be eligible to receive benefits if they have dependents. If a spouse cares for a child under the age of 16, the child’s benefits continue until age 18, whereas the spouse’ benefits stop when the child reaches age 16.
- This is always true unless the spouse becomes eligible for retirement or widower(s) benefits. If the spouse is caring for a child who is disabled and collecting Social Security benefits, the spouse may receive dependents’ benefits even if the child is older than 16 or a legal adult.
Social Security Disability Spousal Benefits Strategy
- Many divorced spouses are also eligible for ex-spousal benefits. To claim these benefits, the individuals must have been married for at least ten years, and the claiming spouse must not be entitled to a higher benefit than his or her ex.
- The spouse must also be at least 62 years old and unmarried. Benefits can be received if the couple has been divorced for at least two years. A spouse can collect benefits from an ex even if that ex hasn’t applied for benefits.
- If the claim is delayed until full retirement age, the divorced spouse may be eligible for 50% of the ex’s financial benefits.
People who are concerned about their eligibility for spousal social security benefits must contact reputed disability attorneys. Talk to a legal professional who has handled similar disability benefits claim before. He/She can provide step by step assistance to apply and receive disability benefits without facing denials.