Knowing how and when to claim Social Security benefits is challenging. When considering filing for a Social Security spousal benefit, those challenges are magnified. Here’s a brief overview of the spousal benefit you may be entitled to, whether you’re still married, divorced or widowed.
Types of Social Security Spousal Benefits
If You Are Currently Married
Your spousal benefit can be worth up to 50% of your spouse’s Social Security benefit, but in order to claim your spousal benefit, your spouse must have already begun collecting Social Security. Generally speaking, you can begin claiming spousal benefits once you reach age 62, although you will receive a permanently reduced benefit if you claim prior to reaching your full retirement age (FRA), which varies based on your birth year.
Corporate Office: 505 North Highway 169, Suite 900, Plymouth, MN 55441
Advisory services offered through Wealth Enhancement Advisory Services, LLC (WEAS), a registered investment advisor. Certain, but not all, investment advisor representatives (IARs) of WEAS are also registered representatives of and offer securities through LPL Financial, member FINRA/SIPC. Wealth Enhancement Group and WEAS are separate entities from LPL. Wealth Enhancement Group is a registered trademark of Wealth Enhancement Group, LLC.
This site has been published for residents of: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MI, MN, MO, MS, MT, NC, ND, NH, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY ONLY. By entering, you certify that you are a resident of one of these states. All information herein has been prepared solely for information purposes, and it is not an offer to buy or sell, or a solicitation of an offer to buy or sell any security.