Can I get spousal Social Security benefits if I am still working?
Can I get spousal Social Security benefits if I am still working?
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.
When can my spouse collect half of my Social Security?
A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker’s primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months.
Can I collect my ex husbands Social Security and my own?
If you have not applied for retirement benefits, but can qualify for them, your ex-spouse can receive benefits on your record if you have been divorced for at least two continuous years. If your ex-spouse is eligible for retirement benefits on their own record, we will pay that amount first.
Can I file for my Social Security at 62 and switch to spousal benefits later?
En español | Only if your spouse is not yet receiving retirement benefits. In this case, you can claim your own Social Security beginning at 62 and make the switch to spousal benefits when your husband or wife files. Again, Social Security will pay the greater of the two benefit amounts.
How do I apply for half of my spouse’s Social Security?
Form SSA-2 | Information You Need to Apply for Spouse’s or Divorced Spouse’s Benefits. You can apply: Online, if you are within 3 months of age 62 or older, or. By calling our national toll-free service at 1-(TTY 1- or visiting your local Social Security office.
Do spousal benefits reduce my benefits?
En español | No, receiving benefits on your spouse’s earnings record does not affect the amount of the retirement or disability benefit that your spouse receives. If you are eligible for both a spousal benefit and your own retirement or disability benefit, you cannot collect the combined total.
What is the penalty for taking Social Security early?
In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month.
