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Check If You Qualify For Social Security Spousal Benefits

Social Security Spousal Benefits
Social Security Spousal Benefits; Source- CNN

Many publications discuss how retired workers should determine whether to file for Social Security, but there is much less guidance available regarding filing for spousal benefits. All the same, the choice is equally significant. Your age upon sign-up determines how much you receive each month, and your checks will have a significant impact on your household budget. It’s a significant accomplishment if you want to start receiving Social Security spousal benefits in 2024. However, consider the subsequent three questions before applying.

Social Security Spousal Benefits

Social Security Spousal Benefits; Source- The US Sun

Social Security Spousal Benefits

Since you cannot collect Social Security spouse benefits unless your partner is currently receiving checks, it is crucial to ask this question first. If they aren’t, you both need to determine if it is reasonable for them to enroll for you to start receiving benefits. If you are qualified for a benefit and your spouse hasn’t signed up yet, you might be able to receive it on your employment record. The SSA will then immediately convert you to a spousal benefit if it is greater than what you are receiving on your own, should your spouse decide to enroll. The amount of your Social Security benefits for the remainder of your life is determined by your age upon enrollment.

Social Security At Age 62

At age 62, you become eligible, but filing at that point might reduce your monthly benefits by up to 35%. For each month you postpone receiving benefits, you gain a little bit. Spousal benefits, in contrast to employee retirement benefits, peak out at the spouse’s full retirement age (FRA). This can range from 66 to 67, depending on the year of your birth. You will receive half of the reward that the worker is entitled to at their FRA if you wait till then. However, if you don’t want to, you don’t have to wait this long. If you know you won’t be living long or if you’re in a tight spot and need the extra money, it usually makes sense to file for benefits earlier.

Social Security Application Process

If, however, none of those circumstances apply, you might want to hold off on signing up to receive bigger checks for a short while. If you are prepared with all the necessary information and paperwork, your Social Security application process will go much more smoothly. Your Social Security number, date and place of birth, spouse’s name, date and place of birth, Social Security number, date and place of marriage, your military type of duty, branch, and service dates, if applicable, your employer’s name, and the start and end dates of your employment with each of your previous two employers, if applicable, are all necessary information to provide. The routing number and account number of the bank where you want your checks deposited.

Get in touch with the SSA if you are unable to obtain all the information you require. It might be able to assist you in getting the necessary documents. By opening a Social Security account, you can apply online for spousal benefits. Alternatively, you can make an appointment with the Social Security office in your community. As early as four months before you would like to start receiving benefits, you can apply. If there are any issues with your application, it is always advisable to register a little before the date you would want to claim checks. Additionally, please do not hesitate to contact the SSA with any questions.

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