Social Security Spouse Benefits


How does Social Security benefit my spouse?

Even if your spouse has never contributed to Social Security, he or she could collect the benefits after completing the age of 62 years. Based on your record, your spouse can qualify for Medicare on completion of 65 years of age.

Your spouse can get benefits equal to one-half of the amount that you receive on reaching full retirement age. Delayed retirement credits are not taken into account for calculating the benefits that your spouse may receive.
Your spouse, who is taking care of the needs of your underage child, will receive one-half of your benefit amount. Once your child turns 16, your spouse will stop receiving the benefits. This will happen only if he or she is less than 62 years of age. If your spouse is a widow or widower, the age criteria will drop to 60 years.

Am I entitled to get survivor benefits on my deceased spouse’s account?

If you are a widow or widower and have not remarried, you will be eligible for benefits on your late spouse’s account. Remarriage after the age of 60 years will not deprive you of the survivor benefits on your deceased spouse’s account.

In case of disability, you could remarry after the age of 50 years and still continue to receive the survivor benefits. A widow or widower may receive the survivor benefits at any age, provided the person takes care of the needs of the deceased spouse’s child who is of age less than 16 or disabled.


Are there other Social Security benefits?

Yes, there are. The Social Security Administration also handles Social Security Disability Insurance Benefits, Disabled Widow’s/Widower’s Benefits, Divorced Disabled Spouse Benefits and Supplemental Security Income and several other benefits as well.


Do you receive the Annual Personal Benefits and Earnings Statement from the Social Security Administration?

You should receive an annual Personal Benefits and Earnings Statement from the Social Security Administration every year before you retire. If you have not, then you need to request for those or ask for the various statements with different ages for retirement. Check that each of them is submitted on a separate form.

Did you know?

If you are already receiving Social Security benefits, automatically your Medicare benefits become activated.

In case you are not going to receive Social Security benefits, it is advisable to apply for Medicare benefits before you reach 65 years of age. So, applying for Social Security is perhaps the most important financial decision you can take to secure your life.