Discover the ins and outs of Social Security spousal benefits, a vital topic for couples planning retirement income. These benefits support spouses with less work history, like stay-at-home parents. To qualify, your wife must be at least sixty-two, you must be collecting your own benefits, and youve been married for a year. The maximum spousal benefit is fifty percent of your Primary Insurance Amount, but claiming earlier reduces it. If your wife has her own work record, Social Security pays the higher of the two amounts. Survivor benefits also exist, allowing your wife to switch to a potentially higher payment if she outlives you.
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