• Retirement and Annuity Advisor Jennifer Lang

Married? Know your Social Security benefit options and free report.

Updated: Feb 2


While individuals have important decisions to make regarding Social Security, married couples have the most options when it comes to claiming and coordinating benefits. For the purposes of determining benefits, the Social Security Administration (SSA) recognizes all marriages, as well as some civil unions and domestic partnerships (depending on state law).


Spousal benefits

If you are married, you are eligible for the higher of your personal benefit amount or the spousal benefit amount. The spousal benefit can be very helpful when one spouse has significantly lower earnings or doesn’t qualify for benefits at all.


Let’s say Pat and Taylor are married. Pat’s earnings history provides a good Social Security benefit amount, but Taylor never earned enough credits to qualify for benefits. Taylor may receive up to 50 percent of Pat’s primary insurance amount or PIA (the benefit amount available at full retirement age, which is between 66 and 67 depending on birth year).

  • For Taylor to receive the full spousal benefit, Pat must file first (at full retirement age or older) and Taylor must be full retirement age at the time of filing.

  • If Pat files for benefits early, this will reduce both of their benefit amounts.

  • If Taylor files for benefits before full retirement age (as early as 62), it could reduce the spousal benefit to as little as 32.5 percent of Pat’s PIA, with one exception — filing early would not reduce the spousal benefit amount if Taylor were caring for a qualifying child (a child under 16 or receiving Social Security disability benefits).

Keep in mind that the spousal benefit is based on one spouse’s PIA. In this example, even if Pat waited until age 70 to secure a higher benefit amount, Taylor’s spousal benefit would never be higher than 50 percent of Pat’s full benefit amount at full retirement age.


Social Security will always pay out the individual’s earned benefit first. In our example, Taylor did not qualify for a benefit and had to rely on the spousal benefit. However, if Taylor had qualified for a benefit of $1,000 and Pat qualified for a benefit of $3,000, Taylor’s full spousal benefit would be $1,500.


Social Security would pay Taylor’s $1,000 benefit and supplement that with an additional $500 based on Pat’s earnings history to reach the total of $1,500.



Coordination between spouses

In many cases, spouses’ earnings histories are different, but not enough for one spouse to be better off with a spousal benefit. If this is your situation, it may make sense for the spouse with the higher benefit to delay filing for as long as possible (up to age 70) to secure a higher benefit. It may even make sense for the spouse with the lower benefit to claim early and take a reduced amount if that makes it feasible for the spouse with the higher benefit to delay filing.


Maximizing the higher benefit will not only increase income in the later years of retirement, it will ensure a higher survivor benefit if the higher earner dies first. This can be important. Surviving spouses can receive 100 percent of the benefit amount the deceased spouse was receiving or was entitled to receive at the time of death, as long as all requirements are met. (Requirements include criteria like the marriage lasted at least nine months or the death was accidental.)


Therefore, even if the surviving spouse had filed early, meaning their own benefit amount was permanently reduced, that reduction will have no impact on the survivor benefit when the survivor has reached full retirement age at the time of their spouse’s death.


The importance of professional guidance

Spousal benefits can be complex, and decisions surrounding these benefits require careful thought and planning. It’s never too early to start the Social Security conversation with your financial professional, to gain the insight and information you need to make the most of your benefits and understand how they fit into your retirement strategy. You can also find answers on the Social Security Administration’s website, www.ssa.gov.


In order to talk practically about retirement, you need to start with a realistic idea of how much money you'll need to live on and where that income will be coming from.


Imagine yourself on the first day of retirement. How old are you? Where are you living? How much will you be spending on housing, transportation, food, health care etc.


If you're like most people, these essentials alone will account for over 80% of your retirement spending and that's before the fun stuff like travel, leisure and entertainment.


Once you have a fairly accurate idea of what your life in retirement will look like, the next step is to take a look at your retirement income. Let's get started with the video below.



Let us help you set and work towards your goals in 3 easy steps:

  1. Get your FREE Self-generated Social Security Report

  2. Use the Retirement Income Options generator to adjust for any gaps in income

  3. Schedule a Free Consultation to go over guaranteed income solutions, tax-deferred options to reduce RMDs, and long-term care benefits.



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