Using Spousal Social Security Benefits To Take Advantage


Many of the retirees depend on Social Security to make it a primary source of income in retirement. In actuality, the system of the Social Security was made and has been maintained in the form of a vital source of income for almost retirees in the US, not just for those who worked by going out of the home, but for those who are employed by sitting in their homes as well. There are partners, who raise families and do other valuable jobs in the society are qualified to have a spousal benefit under the program of Social Security according to the primary insurance benefit of their spouses.

Know the requirements for Spousal benefits

Prior to claiming them, it would be good if you are familiar with the actual facts of this program. Almost all spouses, could be qualified to have spousal benefits from Social Security no matter whether they worked in past times or not. To become qualified, it is mandatory to stay in a marriage for at least one year prior to the application for benefits. Moreover, you also need to be at least 62 years in age and the spouse who worked must have begun to gather benefits to trigger eligibility. Before full retirement age, you can have an option to claim benefits, but you will be fined by a permanent reduction in your spousal benefits on a monthly basis.
The requirement here is that you should be age 62 if you want to collect spousal benefits. But there are cases, in which scenarios may be different to claim benefits early without paying any penalty. For instance, child-in-care spousal benefits are one of them. Other requirements will be same as mentioned above, but there are additional too. A couple should be caring for a child who is having the age of below 16 years or disabled and who is also getting child benefits from Social Security. And this info should be available on the word record of a partner. Contrasting to traditional spousal benefits, for early claiming, the child-in-care spousal benefits are not decreased. Of course, there is no bottom tier range for age. A partner of any age can qualify for such benefits as long as they fulfill all other requirements. These days, the primary requirement is that one partner must claim benefits so that the spousal benefits can be triggered, and suspended benefits no longer activate spousal benefits.
Of course, it can be a challenge for one spouse to collect such benefits when there is a large difference in age between partners.

How to boost spousal benefits

When it comes to finding the way to boost the Social Security spousal benefits, then you need to know that there is not a simple route to follow. Once you are clear with all the basics of these benefits, then you can think of getting them increased but with the right method. These benefits are dependent on an employee’s age wage history of compensating Social Security. A spouse who works can carry on to work or earn money to boost his or her own primary insurance money under the rules of Social Security that will place a great impact on the spousal benefit in a positive manner.
In addition to that, if you want then you can wait until you reach the full retirement age-period to get these benefits. The important thing to know is that by doing so, you cannot increase the benefits, but with it, you can avoid claiming early that may reduce your benefits. But, there is no point in deferring spousal benefits from Social Security past full retirement age because they are not going to have additional deferral credits once the full retirement age is gone.
Still, you are interested in increasing such benefits, then there is another way, which is all about working and getting your own benefits. Nothing stops you from getting employed and receiving your own SS benefits as no penalty is being there that decreases spousal benefits if you do not make a benefit on your own history of work that is bigger. When it comes to dual-income households, a person can often develop his or her own retirement benefit, which is not directly influenced by the benefit of his or her spouse or spousal benefits.

What is the Earnings Tests Effect?

There is a test known as the Earnings test that can help you in calculating your benefits. If the case is, when you have collected spousal benefits prior to your own full retirement age, then the benefits will also be based according to the rule known as the earnings test. In fact, this could create a forced suspension of benefits to your full retirement age, during this age, the benefits would be calculated again because of the suspension of amounts.
What is the impact of the earnings tests? In fact, there are two ways, in which you can see the impact of this test. These are:
  • If the working spouse is having the age under the full retirement age and below claimed benefits, then this test can decrease any spousal benefits paid on the earnings record of a working partner.
  • The second case is that when the partner who is claiming spousal benefits from SS is below full retirement age and is still in the employment stage, as such benefits can be suspended due to the fact that they can exceed this test threshold.


Final verdict
Spousal benefits from Social Security play an essential role in this program and also the retirement system. These are the benefits that recognize the essential role for non-working partners to be played in society and the necessity of supporting these partners with a retirement benefit. In fact, there can be a number of factors that should be taken into account when any of the spouses is going to claim these benefits. To know or have complete info about these Social Security benefits for a spouse, you can contact the Social Security Administration department or talk to your financial advisor that may affect your decision-making.