Social Security Spousal, Survivor, & Divorced Benefits Made Easy
What are the rules for spousal benefits of Social Security?
Social Security Spousal, Survivor, & Divorced Benefits Made Easy
Social Security spousal benefits, divorced spousal benefits, and survivors benefits are some of the most overlooked and misunderstood Social Security claiming strategies for families who are on Social Security.
If you are currently on Social Security or you are going to be on Social Security soon, it is important you understand your Social Security strategy options.
How you qualify for Social Security Spousal Benefits (Married):
1. You are at least 62--unless you are caring for a child under 16 or permanently disabled.
2. You have been married to your spouse for at least 12 months
3. Your spouse is already receiving social security retirement benefits
How you qualify for Social Security Spousal Benefits (Divorced):
1. You are not remarried
2. Your ex-spouse is over 62 (Does not have to be claiming Social Security Benefits)
3. Married for at least 10 years
4. If ex-spouse is deceased (see below)
How you qualify for Social Security Spousal Benefits (Widowed):
1. 100% of Spouse's social security benefit if you wait until FRA
2. Remarriage does not impact social security spousal benefits
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