age 62
You can claim spousal benefits as early as age 62, but you won’t receive as much as if you wait until your own full retirement age. For example, if your full retirement age is 67 and you choose to claim spousal benefits at 62, you’d receive a benefit that’s equal to 32.5% of your spouse’s full benefit amount.
Can a non working wife collect Social Security?
The short answer to your next question is that yes, a nonworking spouse who has reached age 62 can collect Social Security benefits based on the working spouse’s earnings record once the working spouse has filed for benefits or once the working spouse has reached their full retirement age (FRA).
When do you get your spouses Social Security benefits?
You will receive your full spouse’s benefit amount if you wait until you reach full retirement age to begin receiving benefits. You will also receive the full amount if you are caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled.
Can a spouse collect Social Security on their own work record?
You can collect benefits on a spouse’s work record regardless of whether you also worked. If your own retirement benefit is lower than your spousal benefit, Social Security will pay you the higher amount. To qualify for survivor benefits, you must have been:
When do you start receiving your Social Security benefits?
Starting Your Retirement Benefits Early . You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.
Can a spouse collect Social Security if they are disabled?
In other words, no matter how much money your spouse makes, you can receive SSDI benefits as long as you have a disabling medical condition and a sufficient work history. The same is true if your spouse receives SSDI income. If you qualify for SSDI, then it does not matter that your spouse receives benefits for his or her own disability.
