Whether or not you are married or divorced, you might be eligible to obtain spousal Social Safety advantages of as much as 50% of your partner’s (or ex-spouse’s) full retirement quantity. This profit may also help for those who’ve earned considerably much less earnings than your partner throughout your working years.
To qualify for Social Safety spousal retirement advantages, you have to be married (or have been married) for a selected interval and meet different standards, akin to age necessities. The minimal required marriage size varies primarily based on whether or not you are still married, caring for a dependent youngster, or divorced.
In case you’re married and never caring for a kid
Even for those who by no means labored at a job the place Social Safety tax was withheld, you should still be capable to declare a spousal Social Safety profit. To qualify, it’s essential to:
Be married for no less than one yr.
Be no less than 62 years outdated.
Have a partner already receiving Social Safety retirement or incapacity advantages.
In case you qualify to your personal Social Safety advantages, you’ll be able to nonetheless be eligible for extra spousal advantages for those who meet the above necessities. On this case, the Social Safety Administration pays your private profit first. Then, in case your spousal profit is larger than that quantity, you will obtain a further cost that may make your whole profit equal to the upper profit.
In case you declare advantages earlier than your full retirement age or are nonetheless working if you apply, you might obtain a lowered quantity except you take care of a qualifying dependent youngster. Nonetheless, in case your partner delays submitting for a much bigger payout, your spousal advantages will not be bigger due to their delay.
In case you’re married or divorced with a dependent youngster
In case you and your partner are nonetheless caring for a qualifying dependent, eligibility necessities for spousal Social Safety are much less strict:
You will be married for any period of time so long as you and your partner are the kid’s organic dad and mom.
You possibly can obtain the profit at any age, not simply 62.
Your youngster have to be below the age of 16 or have develop into disabled earlier than the age of twenty-two and be eligible for advantages.
In case you’re divorced and never caring for a kid
Even when your marriage ended way back, and your ex has since remarried, you should still be capable to declare spousal Social Safety — with out having to inform your ex.
Your spousal divorce profit will not be affected in case your ex remarries, and claiming a spousal profit will not have an effect on the Social Safety profit your ex (or their present partner) receives. As well as, in case your ex-spouse has died since your divorce, you might qualify for Surviving Divorced Partner’s Advantages.
You will be eligible for spousal Social Safety when divorced if:
You have been married for no less than 10 years.
You’re no less than 62 years outdated.
You’re at the moment single (Your ex will be remarried, although).
Your ex is already receiving or entitled to Social Safety or incapacity advantages.
In case your ex hasn’t but claimed their accessible profit, you’ve gotten been divorced for no less than two steady years.
The profit your ex is receiving (or entitled to obtain) is larger than the profit in your report.
Social Safety pays the quantity in your report first, then add the quantity you are entitled to in your ex’s report. So you will obtain the next mixed profit, however not two full advantages directly.
In case you have been born earlier than Jan. 2, 1954, and have reached full retirement age, you’ll be able to start claiming your spousal Social Safety first and declare your personal profit later. These born Jan. 2, 1954, or later should file for each private retirement and spousal advantages on the similar time.
The best way to apply for spousal Social Safety
To use to your private and spousal Social Safety advantages:
Name the SSA’s nationwide toll-free service at 800-772-1213 (TTY 800-325-0778).
Chances are you’ll want to offer a replica of your marriage certificates or divorce decree to obtain spousal advantages, although the SSA recommends not sending any paperwork except requested.