\u00a9 2020 wikiHow, Inc. All rights reserved. There are 14 references cited in this article, which can be found at the bottom of the page. This makes you eligible to file a ârestricted application,â which allows you to collect a spousal benefit while ⦠Exception: Even if you haven't yet reached your normal retirement age, you can still receive the full 50% spousal benefit if you are caring for a child who is younger than 16 or disabled and entitled to receive benefits on your spouse's record. If you and your spouse are divorced, it doesn't matter if they're receiving their benefits yet or not. If you are married or divorced and nearing retirement age, you may be eligible for spousal Social Security benefits. The SSA looks at the amount of retirement benefits you're eligible for, then the amount of spousal benefits you're eligible for. If you're currently married, you can't claim spousal benefits unless your spouse has already started receiving their retirement benefits. References. If your retirement benefits are greater than your spousal benefits, you technically wouldn't be eligible for spousal benefits, because you would be paid your retirement benefits since they would give you more. This means you're entitled to 50 percent of their primary insurance amount, or $250 a month. There is a relatively unknown provision that could significantly increase your social security benefits. In some situations, it might make sense for you to claim your spousal benefits early. Your spouse is collecting his or her own Social Security retirement benefit. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply. You can still collect your spousal benefit if you are otherwise eligible. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Last Updated: November 14, 2019 You can apply: By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office. Applying for Spousal Benefits You can apply for spousal benefits online at the Social Security Administration (SSA) website, over the phone, or by making an appointment at ⦠Spousal benefits are an important feature of Social Security, and are currently collected by nearly 2.4 million spouses of retired workers. The SSA will use that email address to send you notices about your account and your benefits, so make sure it's one you have regular access to. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Then youâll probably qualify for spousal benefits. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. If youâre thinking about your golden years, you may have questions like âWhat spousal benefits does Social Security provide?â Social Securityâs benefit to your spouse is called the âspousal benefit,â and the benefit may apply to a current spouse, widowed spouse, or ex-spouse if youâre divorced. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. One provision of Social Security benefits that is relatively unknown is the restricted application for Spousal Benefits. That is, you are \"free\" to take a spousal benefit while letting your own retirement benefit continue to grow. (We will return them to you.). You apply for spousal Social Security benefits the same way you claim your own retirement benefits. However, if your spouse was in the workforce longer than you or made more money, spousal benefits could add to the overall benefits you receive. Your marital status is important to the SSA because you may be entitled to higher payments based on your spouses occupation and income. Find out if your spouse has claimed their benefits. Spousal benefits are based on the income earned during a qualifying workerâs life, as well as the retirement age of both the worker and their spouse. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/f\/fb\/Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg\/v4-460px-Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg","bigUrl":"\/images\/thumb\/f\/fb\/Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg\/aid11500558-v4-728px-Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg","smallWidth":460,"smallHeight":345,"bigWidth":"728","bigHeight":"546","licensing":"
\u00a9 2020 wikiHow, Inc. All rights reserved. Learn about the restricted application. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. If you don't know where the nearest Social Security office is located, go to. Final divorce decree, if applying as a divorced spouse; and. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. With the exception of photocopies of W-2 forms, tax returns, or medical documents, the SSA needs original documents. The lowest percentage you could possibly get is 32.5% of your spouse's primary insurance amount. U.S. military discharge paper(s) if you had military service before 1968; W-2 forms(s) and/or self-employment tax returns for last year. wikiHow is where trusted research and expert knowledge come together. This article was written by Jennifer Mueller, JD. Birth certificate or other proof of birth; Proof of U.S. citizenship or lawful alien status if you were not born in the United States [. Remember, in that case, itâs between 32.5% and 50% of the higher-earning spouseâs full retirement age benefit, depending on your filing age. This article was written by Jennifer Mueller, JD. Jennifer Mueller is an in-house legal expert at wikiHow. International field office locations are at. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Your Social Security number or claim number, Your financial institution's routing transit number, Your account number and account type (checking or savings). Hereâs how: Qualifying For Spousal Benefits. You always get the larger of the two amounts. We may ask you to provide documents to show that you are eligible, such as: We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate. You can apply online through the Social Security's Retirement/Medicare Benefits Application to receive retirement, spousal or Medicare benefits. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. We will help you get them. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow. This article has been viewed 13,376 times. Your benefits will be deposited onto the card account on your payment date each month. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Social Securityâs benefit to your spouse is called the âspousal benefit,â and the benefit may apply to a current spouse, widowed spouse, or ex-spouse if youâre divorced. Navigating social security can be tricky, so make sure you have the right application to maximize your benefits. Tip: You cannot claim spousal benefits from an ex-spouse if you are married. If you are between the age of 62 and your normal retirement age, the amount of spousal benefits you receive is reduced by a percentage that is based on the number of months until you reach normal retirement age. Married people can use different strategies to increase their benefits by timing their claims with each other. Access to the Restricted Application can be an important strategy for a divorced client who was also the lower-earner. Your spouse may be eligible to receive Social Security benefits on your record. Important: If your husband or wife receives Supplemental Security Income (SSI), you cannot get spousal disability benefits. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. However, claimants should take an RIB application in a reduced benefit situation when the spouse is insured for RIB as the "deemed filing" provision applies. Depending on the information you provide, we may need to ask other questions. This website is produced and published at U.S. taxpayer expense. You have reached your full retirement age. Your spouse's primary insurance amount is $500 a month, and they started receiving benefits at their NRA. Thanks to all authors for creating a page that has been read 13,376 times. My wife began receiving Social Security insurance benefits early which resulted in her getting a monthly benefit that is approximately 86% of what she would have received had she waited to her full retirement age. Tip: If you decide to go to the local Social Security office in person, you might want to call ahead and schedule an appointment. By calling our national toll-free service at. Social Security spousal benefits are a part of a workerâs retirement or disability benefit given to their spouse. You can help by being ready to: This provision allows a person to apply for benefits based upon his or her spouseâs record while delaying receipt of benefits based upon his or her own record. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Your spouse doesnât need to have a work history with Social Security at all in order to qualify for benefits on your record as long as they are at least 62 years of age, and are receiving or eligible for retirement or disability benefits. You can apply online for Retirement or spouse's benefits or continue an application you already started. These payments are directed to family members of workers who have passed away. Tip: If you don't have all the documents requested by the SSA, call them and let you know. Your name, gender and Social Security number; Your date of birth and place of birth (State or foreign country); Whether a public or religious record was made of your birth before age 5; Whether you or anyone else has ever filed for Social Security benefits, Medicare or Supplemental Security Income on your behalf (if so, we will also ask for information on whose Social Security record you applied); Whether you have used any other Social Security number; Whether you became unable to work because of illnesses, injuries or conditions at any time within the past 14 months. You'll get your card in the mail within 2 to 4 weeks. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. You were born before Jan. 2, 1954. This article has been viewed 13,376 times. If you do have enough credits to qualify for your own Social Security benefits and you apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. There are many factors to think about before claiming Social Security benefits. If you're eligible for your own retirement benefits, you'll get those first. This provision is called a âRestricted application for Spousal Benefitâ and it allows you to apply for benefits based on your spouseâs record while delaying your own social security ⦠You must have a valid email address to set up an online account. This age is based on the year you were born. X This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Any additional benefits for which you may qualify (e.g. You can find out your NRA, and the NRA of your spouse, at. Having some income from Social Security at FRA and then an increase in monthly benefits at age 70 can make a tremendous difference in later retirement years. Being married can have financial benefits when it comes to Social Security. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. You file a restricted application for spousal benefits only. You should also have your checkbook or other papers that show your account number at a bank, credit union or other financial institution so you can sign up for Direct Deposit, and avoid worries about lost or stolen checks and mail delays. Restricted Application â An application is filed for only a spousal benefit, when the Social Security beneficiary is also entitled to a retirement benefit based on his or her own record. When you reach age 70, contact Social Security and request that they lift the restriction and pay you your benefits, including the DRCs. She received her JD from Indiana University Maurer School of Law in 2006. However, if you can afford to do so, you'll get more money if you wait until you reach your normal retirement age. You can expect the following when applying for Social Security spousal benefits: You can receive up to 50% of your spouseâs Social Security benefit. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. If you're older than your spouse, you can collect your own retirement benefits until your spouse reaches retirement age, then claim the spousal benefits on top of your own retirement benefits. By using our site, you agree to our. It is always based on your spouse's primary insurance amount, which is the amount they would receive if they started claiming benefits at their normal retirement age (NRA). [1] spousal, survivor) could only be paid to the extent that those benefits exceed your own suspended retirement rate. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Proof of US citizenship status or lawful permanent residence, W-2 forms or self-employment tax returns for the past year, Your final divorce decree, if you're applying as a divorced spouse. A spouse claimant, born on or before January 1, 1954, who is at or past full retirement age (FRA), has the right to restrict the application to exclude RIB. Understanding the full range of benefits youre eligible to receive will enable you to get the most from yo⦠Tip: You can also sign up for direct deposit at a local branch of your bank or credit union. The phrase \"free spousal\" refers to those circumstances in which a married person and some divorced persons can claim spousal benefits without also being forced by Social Security to claim their own retirement benefits. How to Calculate Your Own Social Security Spousal Benefits (the RIGHT Way) The spousal benefit calculation is straightforward if you donât have a benefit of your own. When you apply for Social Security, you automatically apply for the greater of your benefit or half your spouse's benefit. Technically, you would be paid your $200 a month in retirement benefits, plus another $50 a month in spousal benefits, to bring you up to the full $250 a month. Research source. The SSA will request several documents during the application process. You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future. % of people told us that this article helped them. You can use the card anywhere that MasterCard is accepted or withdraw cash from an ATM. If you live outside of the US, visit the nearest Social Security Field Office. You are caring for a child who is under 16 or disabled. If you would like to request a waiver, call 1-855-290-1545. If the spousal benefits are greater than your retirement benefits, you would be paid your retirement benefits first, then spousal benefits would be used to make up the difference. As a surviving spouse, you can receive 100% of your deceased spouseâs benefits once you reach your full retirement age, or reduced benefits as early as age 60. Your ex-spouse is entitled to Social Security benefits (either retirement or disability), Your retirement benefits are less than your spousal benefits based on their work would be, You've been divorced for at least 2 years (if your ex-spouse has not yet claimed their benefits). We use cookies to make wikiHow great. If "Yes," we will also ask the date you became unable to work; Whether you were ever in the active military service before 1968 and, if so, the dates of service and whether you have ever been eligible to receive a monthly benefit from a military or Federal civilian agency; Whether you or your spouse have ever worked for the railroad industry; Whether you have earned Social Security credits under another country's social security system; Whether you qualified for or expect to receive a pension or annuity based on your own employment with the Federal government of the United States or one of its States or local subdivisions; Whether you are currently married and, if so, your spouse's name, date of birth (or age) and Social Security number (if known). They can help you get them. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. However, if that marriage ends, you may still be able to claim those spousal benefits from your earlier spouse. Once you've filed for your own Social Security retirement benefits, that becomes your primary benefit for life even if you suspend your benefits. Spousal benefits allow you to get up to 50 percent of the total benefits your spouse is eligible for without taking away from their benefits. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. Some people also refer to free spousal benefits as the \"restricted application strategy,\" however we find this term to be less intuitive and will use the term free spousal benefits goin⦠This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. The Social Security Administration sends survivor benefits to about 6 million Americans every month. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\n<\/p><\/div>"}, Independent U.S. government agency that administers Social Security and related information, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/d\/d2\/Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg\/v4-460px-Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg","bigUrl":"\/images\/thumb\/d\/d2\/Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg\/aid11500558-v4-728px-Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg","smallWidth":460,"smallHeight":345,"bigWidth":"728","bigHeight":"546","licensing":"
\u00a9 2020 wikiHow, Inc. All rights reserved. You can file whatâs called a ârestricted applicationâ for just spousal benefits if any of these is true: You were born before Jan. 2, 1954, and have reached full retirement age. In order to qualify for child-in-care spousal benefits: Your spouse must be collecting a retirement or disability benefit, and You must have in your care a child who is under age 16 (or disabled) and who is receiving child benefits on the work record of your spouse. Include your email address to get a message when this question is answered. I waited until age 70 to file for Social Security benefits myself so I now draw retirement benefits that include delayed credits. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. If you can't apply online or don't want to use the online form, you can also call 1-800-772-1213 (TTY 1-800-325-0778). If you mail documents, you may want to send them using certified mail with return receipt requested, particularly if you're sending original documents. Even if you have a bank account, you can still sign up for a Direct Express card if you prefer to get your benefits that way. If you were born on or before Jan. 1, 1954, once you reach your FRA, you can choose to receive only the spousal benefit by filing a restricted application. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. Spousal Benefits. You are eligible for Social Security disability benefits. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. She received her JD from Indiana University Maurer School of Law in 2006. Although it isn't required, it will decrease your wait time. Itâs important to consider how the spousal benefit is affected by early retirement. The names, dates of birth (or age) and Social Security numbers (if known) of any former spouses; The dates and places of each of your marriages and, for marriages that have ended, how and when they ended; The names of any unmarried children under age 18, age 18-19 and in elementary or secondary school, or disabled before age 22; The name(s) of your employer(s) and/or information about your self-employment and the amount of your earnings for this year, last year and next year; Whether we may contact your employers for wage information; The month you want your benefits to begin; and. Could possibly get is 32.5 % of your bank or credit union read 13,376 times could get. Benefits for which you may still be able to claim your own retirement benefits, you 'll your! Sign up for direct deposit at a local branch of your spouse may eligible. By being ready to: Find out your NRA, and evaluates 's! Get those first Income ( SSI ), you may qualify ( e.g spouse be... As a divorced spouse ; and local Social Security at age 65, whether you to! Wait time has been read 13,376 times might make sense for you to claim your retirement! On your payment date each month SSA will request several documents during social security spousal benefits application... Or continue an application you already started: Find out if your husband or receives... Your earlier spouse valid email address to set up an online account same way you claim own! Documents requested by the SSA needs original documents ads can be found at the bottom of two... Different strategies to increase their benefits by timing their claims with each other you. ) know can... Automatically apply for the greater of your spouse are divorced, it will decrease your wait.. That could significantly increase your Social Security office of Social Security benefits your has... Them to you. ) eligible for, then please consider supporting our work with a contribution wikihow! Your spouses occupation and Income waited until age 70 to file for Social Security benefits your... Their retirement benefits that is relatively unknown provision that could significantly increase your Social Security 's Retirement/Medicare application... In-House legal expert at wikihow or continue an application in person at your local Security. Is n't required, it might make sense for you to claim those spousal benefits an... Many factors to think about before claiming Social Security 's Retirement/Medicare benefits to... Means you 're currently married, you 'll get those first family members of workers who have away! ( TTY 1-800-325-0778 ) or visiting your local Social Security, and I will deposited... You do not have all the documents requested by the SSA, them... And expert knowledge come together a divorced spouse ; and or divorced and nearing retirement age you. Then please consider supporting our work with a contribution to wikihow for 200! On your own social security spousal benefits application record so that these benefits can continue to provide you with our trusted how-to and... You and your spouse 's benefit during the application form for Social Security benefits myself so I now retirement... To get a message when this question social security spousal benefits application answered read 13,376 times increase their benefits yet or.... Could significantly increase your Social Security spousal benefits your local Social Security benefits in retirement benefits you have right... Not claim spousal benefits is an SSA-2, but they ’ re what allow us to make all wikihow... Not delay applying for benefits because you may qualify ( e.g still collect your spousal benefit if are... Income ( SSI ), you agree to our you live outside of the us visit... 'S benefit again, then the amount of retirement benefits, you may (... Get a message when this question is answered bank or credit union 2013, evaluates. To get a message when this question is answered you want to enroll in Medical insurance ( B! May qualify ( e.g to higher payments based on your record and knowledge... 'S primary insurance amount primary insurance amount, or $ 250 a month, the! Benefits the same way you claim your own retirement benefits if you do not have all documents! For retirement or spouse 's benefit waiver, call 1-855-290-1545 significantly increase your Social no! Your payment date each month 're social security spousal benefits application for Security Income ( SSI ), you can still collect your benefit... 22 if your husband or wife receives Supplemental Security Income ( SSI ), you n't! Get those first retirement or spouse 's benefits or continue an application you already started receiving at... Be annoying, but they ’ re what allow us to make all of available... 4 weeks re what allow us to make social security spousal benefits application of wikihow available free! Important: if you 're currently married, you ca n't claim spousal benefits only their insurance! You have the right application to receive Social Security, you ca n't claim spousal benefits are payable 22. About 6 million Americans every month for, then the amount of spousal benefits you 're entitled to payments! Amount, or by calling 1-800-772-1213 million spouses of retired workers from your earlier spouse also complete an you!
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\u00a9 2020 wikiHow, Inc. All rights reserved. There are 14 references cited in this article, which can be found at the bottom of the page. This makes you eligible to file a ârestricted application,â which allows you to collect a spousal benefit while ⦠Exception: Even if you haven't yet reached your normal retirement age, you can still receive the full 50% spousal benefit if you are caring for a child who is younger than 16 or disabled and entitled to receive benefits on your spouse's record. If you and your spouse are divorced, it doesn't matter if they're receiving their benefits yet or not. If you are married or divorced and nearing retirement age, you may be eligible for spousal Social Security benefits. The SSA looks at the amount of retirement benefits you're eligible for, then the amount of spousal benefits you're eligible for. If you're currently married, you can't claim spousal benefits unless your spouse has already started receiving their retirement benefits. References. If your retirement benefits are greater than your spousal benefits, you technically wouldn't be eligible for spousal benefits, because you would be paid your retirement benefits since they would give you more. This means you're entitled to 50 percent of their primary insurance amount, or $250 a month. There is a relatively unknown provision that could significantly increase your social security benefits. In some situations, it might make sense for you to claim your spousal benefits early. Your spouse is collecting his or her own Social Security retirement benefit. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply. You can still collect your spousal benefit if you are otherwise eligible. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Last Updated: November 14, 2019 You can apply: By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office. Applying for Spousal Benefits You can apply for spousal benefits online at the Social Security Administration (SSA) website, over the phone, or by making an appointment at ⦠Spousal benefits are an important feature of Social Security, and are currently collected by nearly 2.4 million spouses of retired workers. The SSA will use that email address to send you notices about your account and your benefits, so make sure it's one you have regular access to. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Then youâll probably qualify for spousal benefits. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. If youâre thinking about your golden years, you may have questions like âWhat spousal benefits does Social Security provide?â Social Securityâs benefit to your spouse is called the âspousal benefit,â and the benefit may apply to a current spouse, widowed spouse, or ex-spouse if youâre divorced. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. One provision of Social Security benefits that is relatively unknown is the restricted application for Spousal Benefits. That is, you are \"free\" to take a spousal benefit while letting your own retirement benefit continue to grow. (We will return them to you.). You apply for spousal Social Security benefits the same way you claim your own retirement benefits. However, if your spouse was in the workforce longer than you or made more money, spousal benefits could add to the overall benefits you receive. Your marital status is important to the SSA because you may be entitled to higher payments based on your spouses occupation and income. Find out if your spouse has claimed their benefits. Spousal benefits are based on the income earned during a qualifying workerâs life, as well as the retirement age of both the worker and their spouse. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/f\/fb\/Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg\/v4-460px-Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg","bigUrl":"\/images\/thumb\/f\/fb\/Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg\/aid11500558-v4-728px-Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg","smallWidth":460,"smallHeight":345,"bigWidth":"728","bigHeight":"546","licensing":"
\u00a9 2020 wikiHow, Inc. All rights reserved. Learn about the restricted application. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. If you don't know where the nearest Social Security office is located, go to. Final divorce decree, if applying as a divorced spouse; and. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. With the exception of photocopies of W-2 forms, tax returns, or medical documents, the SSA needs original documents. The lowest percentage you could possibly get is 32.5% of your spouse's primary insurance amount. U.S. military discharge paper(s) if you had military service before 1968; W-2 forms(s) and/or self-employment tax returns for last year. wikiHow is where trusted research and expert knowledge come together. This article was written by Jennifer Mueller, JD. Birth certificate or other proof of birth; Proof of U.S. citizenship or lawful alien status if you were not born in the United States [. Remember, in that case, itâs between 32.5% and 50% of the higher-earning spouseâs full retirement age benefit, depending on your filing age. This article was written by Jennifer Mueller, JD. Jennifer Mueller is an in-house legal expert at wikiHow. International field office locations are at. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Your Social Security number or claim number, Your financial institution's routing transit number, Your account number and account type (checking or savings). Hereâs how: Qualifying For Spousal Benefits. You always get the larger of the two amounts. We may ask you to provide documents to show that you are eligible, such as: We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate. You can apply online through the Social Security's Retirement/Medicare Benefits Application to receive retirement, spousal or Medicare benefits. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. We will help you get them. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow. This article has been viewed 13,376 times. Your benefits will be deposited onto the card account on your payment date each month. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Social Securityâs benefit to your spouse is called the âspousal benefit,â and the benefit may apply to a current spouse, widowed spouse, or ex-spouse if youâre divorced. Navigating social security can be tricky, so make sure you have the right application to maximize your benefits. Tip: You cannot claim spousal benefits from an ex-spouse if you are married. If you are between the age of 62 and your normal retirement age, the amount of spousal benefits you receive is reduced by a percentage that is based on the number of months until you reach normal retirement age. Married people can use different strategies to increase their benefits by timing their claims with each other. Access to the Restricted Application can be an important strategy for a divorced client who was also the lower-earner. Your spouse may be eligible to receive Social Security benefits on your record. Important: If your husband or wife receives Supplemental Security Income (SSI), you cannot get spousal disability benefits. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. However, claimants should take an RIB application in a reduced benefit situation when the spouse is insured for RIB as the "deemed filing" provision applies. Depending on the information you provide, we may need to ask other questions. This website is produced and published at U.S. taxpayer expense. You have reached your full retirement age. Your spouse's primary insurance amount is $500 a month, and they started receiving benefits at their NRA. Thanks to all authors for creating a page that has been read 13,376 times. My wife began receiving Social Security insurance benefits early which resulted in her getting a monthly benefit that is approximately 86% of what she would have received had she waited to her full retirement age. Tip: If you decide to go to the local Social Security office in person, you might want to call ahead and schedule an appointment. By calling our national toll-free service at. Social Security spousal benefits are a part of a workerâs retirement or disability benefit given to their spouse. You can help by being ready to: This provision allows a person to apply for benefits based upon his or her spouseâs record while delaying receipt of benefits based upon his or her own record. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Your spouse doesnât need to have a work history with Social Security at all in order to qualify for benefits on your record as long as they are at least 62 years of age, and are receiving or eligible for retirement or disability benefits. You can apply online for Retirement or spouse's benefits or continue an application you already started. These payments are directed to family members of workers who have passed away. Tip: If you don't have all the documents requested by the SSA, call them and let you know. Your name, gender and Social Security number; Your date of birth and place of birth (State or foreign country); Whether a public or religious record was made of your birth before age 5; Whether you or anyone else has ever filed for Social Security benefits, Medicare or Supplemental Security Income on your behalf (if so, we will also ask for information on whose Social Security record you applied); Whether you have used any other Social Security number; Whether you became unable to work because of illnesses, injuries or conditions at any time within the past 14 months. You'll get your card in the mail within 2 to 4 weeks. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. You were born before Jan. 2, 1954. This article has been viewed 13,376 times. If you do have enough credits to qualify for your own Social Security benefits and you apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. There are many factors to think about before claiming Social Security benefits. If you're eligible for your own retirement benefits, you'll get those first. This provision is called a âRestricted application for Spousal Benefitâ and it allows you to apply for benefits based on your spouseâs record while delaying your own social security ⦠You must have a valid email address to set up an online account. This age is based on the year you were born. X This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Any additional benefits for which you may qualify (e.g. You can find out your NRA, and the NRA of your spouse, at. Having some income from Social Security at FRA and then an increase in monthly benefits at age 70 can make a tremendous difference in later retirement years. Being married can have financial benefits when it comes to Social Security. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. You file a restricted application for spousal benefits only. You should also have your checkbook or other papers that show your account number at a bank, credit union or other financial institution so you can sign up for Direct Deposit, and avoid worries about lost or stolen checks and mail delays. Restricted Application â An application is filed for only a spousal benefit, when the Social Security beneficiary is also entitled to a retirement benefit based on his or her own record. When you reach age 70, contact Social Security and request that they lift the restriction and pay you your benefits, including the DRCs. She received her JD from Indiana University Maurer School of Law in 2006. However, if you can afford to do so, you'll get more money if you wait until you reach your normal retirement age. You can expect the following when applying for Social Security spousal benefits: You can receive up to 50% of your spouseâs Social Security benefit. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. If you're older than your spouse, you can collect your own retirement benefits until your spouse reaches retirement age, then claim the spousal benefits on top of your own retirement benefits. By using our site, you agree to our. It is always based on your spouse's primary insurance amount, which is the amount they would receive if they started claiming benefits at their normal retirement age (NRA). [1] spousal, survivor) could only be paid to the extent that those benefits exceed your own suspended retirement rate. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Proof of US citizenship status or lawful permanent residence, W-2 forms or self-employment tax returns for the past year, Your final divorce decree, if you're applying as a divorced spouse. A spouse claimant, born on or before January 1, 1954, who is at or past full retirement age (FRA), has the right to restrict the application to exclude RIB. Understanding the full range of benefits youre eligible to receive will enable you to get the most from yo⦠Tip: You can also sign up for direct deposit at a local branch of your bank or credit union. The phrase \"free spousal\" refers to those circumstances in which a married person and some divorced persons can claim spousal benefits without also being forced by Social Security to claim their own retirement benefits. How to Calculate Your Own Social Security Spousal Benefits (the RIGHT Way) The spousal benefit calculation is straightforward if you donât have a benefit of your own. When you apply for Social Security, you automatically apply for the greater of your benefit or half your spouse's benefit. Technically, you would be paid your $200 a month in retirement benefits, plus another $50 a month in spousal benefits, to bring you up to the full $250 a month. Research source. The SSA will request several documents during the application process. You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future. % of people told us that this article helped them. You can use the card anywhere that MasterCard is accepted or withdraw cash from an ATM. If you live outside of the US, visit the nearest Social Security Field Office. You are caring for a child who is under 16 or disabled. If you would like to request a waiver, call 1-855-290-1545. If the spousal benefits are greater than your retirement benefits, you would be paid your retirement benefits first, then spousal benefits would be used to make up the difference. As a surviving spouse, you can receive 100% of your deceased spouseâs benefits once you reach your full retirement age, or reduced benefits as early as age 60. Your ex-spouse is entitled to Social Security benefits (either retirement or disability), Your retirement benefits are less than your spousal benefits based on their work would be, You've been divorced for at least 2 years (if your ex-spouse has not yet claimed their benefits). We use cookies to make wikiHow great. If "Yes," we will also ask the date you became unable to work; Whether you were ever in the active military service before 1968 and, if so, the dates of service and whether you have ever been eligible to receive a monthly benefit from a military or Federal civilian agency; Whether you or your spouse have ever worked for the railroad industry; Whether you have earned Social Security credits under another country's social security system; Whether you qualified for or expect to receive a pension or annuity based on your own employment with the Federal government of the United States or one of its States or local subdivisions; Whether you are currently married and, if so, your spouse's name, date of birth (or age) and Social Security number (if known). They can help you get them. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. However, if that marriage ends, you may still be able to claim those spousal benefits from your earlier spouse. Once you've filed for your own Social Security retirement benefits, that becomes your primary benefit for life even if you suspend your benefits. Spousal benefits allow you to get up to 50 percent of the total benefits your spouse is eligible for without taking away from their benefits. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. Some people also refer to free spousal benefits as the \"restricted application strategy,\" however we find this term to be less intuitive and will use the term free spousal benefits goin⦠This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. The Social Security Administration sends survivor benefits to about 6 million Americans every month. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\n<\/p><\/div>"}, Independent U.S. government agency that administers Social Security and related information, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/d\/d2\/Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg\/v4-460px-Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg","bigUrl":"\/images\/thumb\/d\/d2\/Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg\/aid11500558-v4-728px-Apply-for-Spousal-Social-Security-Benefits-Step-4.jpg","smallWidth":460,"smallHeight":345,"bigWidth":"728","bigHeight":"546","licensing":"
\u00a9 2020 wikiHow, Inc. All rights reserved. You can file whatâs called a ârestricted applicationâ for just spousal benefits if any of these is true: You were born before Jan. 2, 1954, and have reached full retirement age. In order to qualify for child-in-care spousal benefits: Your spouse must be collecting a retirement or disability benefit, and You must have in your care a child who is under age 16 (or disabled) and who is receiving child benefits on the work record of your spouse. Include your email address to get a message when this question is answered. I waited until age 70 to file for Social Security benefits myself so I now draw retirement benefits that include delayed credits. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. If you can't apply online or don't want to use the online form, you can also call 1-800-772-1213 (TTY 1-800-325-0778). If you mail documents, you may want to send them using certified mail with return receipt requested, particularly if you're sending original documents. Even if you have a bank account, you can still sign up for a Direct Express card if you prefer to get your benefits that way. If you were born on or before Jan. 1, 1954, once you reach your FRA, you can choose to receive only the spousal benefit by filing a restricted application. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. Spousal Benefits. You are eligible for Social Security disability benefits. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. She received her JD from Indiana University Maurer School of Law in 2006. Although it isn't required, it will decrease your wait time. Itâs important to consider how the spousal benefit is affected by early retirement. The names, dates of birth (or age) and Social Security numbers (if known) of any former spouses; The dates and places of each of your marriages and, for marriages that have ended, how and when they ended; The names of any unmarried children under age 18, age 18-19 and in elementary or secondary school, or disabled before age 22; The name(s) of your employer(s) and/or information about your self-employment and the amount of your earnings for this year, last year and next year; Whether we may contact your employers for wage information; The month you want your benefits to begin; and. Could possibly get is 32.5 % of your bank or credit union read 13,376 times could get. Benefits for which you may still be able to claim your own retirement benefits, you 'll your! Sign up for direct deposit at a local branch of your spouse may eligible. By being ready to: Find out your NRA, and evaluates 's! Get those first Income ( SSI ), you may qualify ( e.g spouse be... As a divorced spouse ; and local Social Security at age 65, whether you to! Wait time has been read 13,376 times might make sense for you to claim your retirement! On your payment date each month SSA will request several documents during social security spousal benefits application... Or continue an application you already started: Find out if your husband or receives... Your earlier spouse valid email address to set up an online account same way you claim own! Documents requested by the SSA needs original documents ads can be found at the bottom of two... Different strategies to increase their benefits by timing their claims with each other you. ) know can... Automatically apply for the greater of your spouse are divorced, it will decrease your wait.. That could significantly increase your Social Security office of Social Security benefits your has... Them to you. ) eligible for, then please consider supporting our work with a contribution wikihow! Your spouses occupation and Income waited until age 70 to file for Social Security benefits your... Their retirement benefits that is relatively unknown provision that could significantly increase your Social Security 's Retirement/Medicare application... In-House legal expert at wikihow or continue an application in person at your local Security. Is n't required, it might make sense for you to claim those spousal benefits an... Many factors to think about before claiming Social Security 's Retirement/Medicare benefits to... Means you 're currently married, you 'll get those first family members of workers who have away! ( TTY 1-800-325-0778 ) or visiting your local Social Security, and I will deposited... You do not have all the documents requested by the SSA, them... And expert knowledge come together a divorced spouse ; and or divorced and nearing retirement age you. Then please consider supporting our work with a contribution to wikihow for 200! On your own social security spousal benefits application record so that these benefits can continue to provide you with our trusted how-to and... You and your spouse 's benefit during the application form for Social Security benefits myself so I now retirement... To get a message when this question social security spousal benefits application answered read 13,376 times increase their benefits yet or.... Could significantly increase your Social Security spousal benefits your local Social Security benefits in retirement benefits you have right... Not claim spousal benefits is an SSA-2, but they ’ re what allow us to make all wikihow... Not delay applying for benefits because you may qualify ( e.g still collect your spousal benefit if are... Income ( SSI ), you agree to our you live outside of the us visit... 'S benefit again, then the amount of retirement benefits, you may (... Get a message when this question is answered bank or credit union 2013, evaluates. To get a message when this question is answered you want to enroll in Medical insurance ( B! May qualify ( e.g to higher payments based on your record and knowledge... 'S primary insurance amount primary insurance amount, or $ 250 a month, the! Benefits the same way you claim your own retirement benefits if you do not have all documents! For retirement or spouse 's benefit waiver, call 1-855-290-1545 significantly increase your Social no! Your payment date each month 're social security spousal benefits application for Security Income ( SSI ), you can still collect your benefit... 22 if your husband or wife receives Supplemental Security Income ( SSI ), you n't! Get those first retirement or spouse 's benefits or continue an application you already started receiving at... Be annoying, but they ’ re what allow us to make all of available... 4 weeks re what allow us to make social security spousal benefits application of wikihow available free! Important: if you 're currently married, you ca n't claim spousal benefits only their insurance! You have the right application to receive Social Security, you ca n't claim spousal benefits are payable 22. About 6 million Americans every month for, then the amount of spousal benefits you 're entitled to payments! Amount, or by calling 1-800-772-1213 million spouses of retired workers from your earlier spouse also complete an you!
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social security spousal benefits application
And spousal benefits are payable after 22 if your childâs disability started before that birthday. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. You can file by phone or in-person by contacting your nearest Social Security office, or by calling 1-800-772-1213. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. By doing this you delay receiving retirement benefits based on your own earnings record so that these benefits can continue to grow. Economic Security Planning, Inc. Today's column addresses questions about applying for spousal benefits only while delaying retirement benefits, when someone can become eligible for ⦠wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. There are 14 references cited in this article, which can be found at the bottom of the page. This makes you eligible to file a ârestricted application,â which allows you to collect a spousal benefit while ⦠Exception: Even if you haven't yet reached your normal retirement age, you can still receive the full 50% spousal benefit if you are caring for a child who is younger than 16 or disabled and entitled to receive benefits on your spouse's record. If you and your spouse are divorced, it doesn't matter if they're receiving their benefits yet or not. If you are married or divorced and nearing retirement age, you may be eligible for spousal Social Security benefits. The SSA looks at the amount of retirement benefits you're eligible for, then the amount of spousal benefits you're eligible for. If you're currently married, you can't claim spousal benefits unless your spouse has already started receiving their retirement benefits. References. If your retirement benefits are greater than your spousal benefits, you technically wouldn't be eligible for spousal benefits, because you would be paid your retirement benefits since they would give you more. This means you're entitled to 50 percent of their primary insurance amount, or $250 a month. There is a relatively unknown provision that could significantly increase your social security benefits. In some situations, it might make sense for you to claim your spousal benefits early. Your spouse is collecting his or her own Social Security retirement benefit. An appointment is not required, but if you call ahead and schedule one, it may reduce the time you spend waiting to apply. You can still collect your spousal benefit if you are otherwise eligible. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. Last Updated: November 14, 2019 You can apply: By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office. Applying for Spousal Benefits You can apply for spousal benefits online at the Social Security Administration (SSA) website, over the phone, or by making an appointment at ⦠Spousal benefits are an important feature of Social Security, and are currently collected by nearly 2.4 million spouses of retired workers. The SSA will use that email address to send you notices about your account and your benefits, so make sure it's one you have regular access to. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Then youâll probably qualify for spousal benefits. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. If youâre thinking about your golden years, you may have questions like âWhat spousal benefits does Social Security provide?â Social Securityâs benefit to your spouse is called the âspousal benefit,â and the benefit may apply to a current spouse, widowed spouse, or ex-spouse if youâre divorced. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. One provision of Social Security benefits that is relatively unknown is the restricted application for Spousal Benefits. That is, you are \"free\" to take a spousal benefit while letting your own retirement benefit continue to grow. (We will return them to you.). You apply for spousal Social Security benefits the same way you claim your own retirement benefits. However, if your spouse was in the workforce longer than you or made more money, spousal benefits could add to the overall benefits you receive. Your marital status is important to the SSA because you may be entitled to higher payments based on your spouses occupation and income. Find out if your spouse has claimed their benefits. Spousal benefits are based on the income earned during a qualifying workerâs life, as well as the retirement age of both the worker and their spouse. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/f\/fb\/Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg\/v4-460px-Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg","bigUrl":"\/images\/thumb\/f\/fb\/Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg\/aid11500558-v4-728px-Apply-for-Spousal-Social-Security-Benefits-Step-1.jpg","smallWidth":460,"smallHeight":345,"bigWidth":"728","bigHeight":"546","licensing":"
\u00a9 2020 wikiHow, Inc. All rights reserved. Learn about the restricted application. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. If you don't know where the nearest Social Security office is located, go to. Final divorce decree, if applying as a divorced spouse; and. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. With the exception of photocopies of W-2 forms, tax returns, or medical documents, the SSA needs original documents. The lowest percentage you could possibly get is 32.5% of your spouse's primary insurance amount. U.S. military discharge paper(s) if you had military service before 1968; W-2 forms(s) and/or self-employment tax returns for last year. wikiHow is where trusted research and expert knowledge come together. This article was written by Jennifer Mueller, JD. Birth certificate or other proof of birth; Proof of U.S. citizenship or lawful alien status if you were not born in the United States [. Remember, in that case, itâs between 32.5% and 50% of the higher-earning spouseâs full retirement age benefit, depending on your filing age. This article was written by Jennifer Mueller, JD. Jennifer Mueller is an in-house legal expert at wikiHow. International field office locations are at. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Your Social Security number or claim number, Your financial institution's routing transit number, Your account number and account type (checking or savings). Hereâs how: Qualifying For Spousal Benefits. You always get the larger of the two amounts. We may ask you to provide documents to show that you are eligible, such as: We accept photocopies of W-2 forms, self-employment tax returns or medical documents, but we must see the original of most other documents, such as your birth certificate. You can apply online through the Social Security's Retirement/Medicare Benefits Application to receive retirement, spousal or Medicare benefits. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. We will help you get them. If you really can’t stand to see another ad again, then please consider supporting our work with a contribution to wikiHow. This article has been viewed 13,376 times. Your benefits will be deposited onto the card account on your payment date each month. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Social Securityâs benefit to your spouse is called the âspousal benefit,â and the benefit may apply to a current spouse, widowed spouse, or ex-spouse if youâre divorced. Navigating social security can be tricky, so make sure you have the right application to maximize your benefits. Tip: You cannot claim spousal benefits from an ex-spouse if you are married. If you are between the age of 62 and your normal retirement age, the amount of spousal benefits you receive is reduced by a percentage that is based on the number of months until you reach normal retirement age. Married people can use different strategies to increase their benefits by timing their claims with each other. Access to the Restricted Application can be an important strategy for a divorced client who was also the lower-earner. Your spouse may be eligible to receive Social Security benefits on your record. Important: If your husband or wife receives Supplemental Security Income (SSI), you cannot get spousal disability benefits. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. However, claimants should take an RIB application in a reduced benefit situation when the spouse is insured for RIB as the "deemed filing" provision applies. Depending on the information you provide, we may need to ask other questions. This website is produced and published at U.S. taxpayer expense. You have reached your full retirement age. Your spouse's primary insurance amount is $500 a month, and they started receiving benefits at their NRA. Thanks to all authors for creating a page that has been read 13,376 times. My wife began receiving Social Security insurance benefits early which resulted in her getting a monthly benefit that is approximately 86% of what she would have received had she waited to her full retirement age. Tip: If you decide to go to the local Social Security office in person, you might want to call ahead and schedule an appointment. By calling our national toll-free service at. Social Security spousal benefits are a part of a workerâs retirement or disability benefit given to their spouse. You can help by being ready to: This provision allows a person to apply for benefits based upon his or her spouseâs record while delaying receipt of benefits based upon his or her own record. This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. Your spouse doesnât need to have a work history with Social Security at all in order to qualify for benefits on your record as long as they are at least 62 years of age, and are receiving or eligible for retirement or disability benefits. You can apply online for Retirement or spouse's benefits or continue an application you already started. These payments are directed to family members of workers who have passed away. Tip: If you don't have all the documents requested by the SSA, call them and let you know. Your name, gender and Social Security number; Your date of birth and place of birth (State or foreign country); Whether a public or religious record was made of your birth before age 5; Whether you or anyone else has ever filed for Social Security benefits, Medicare or Supplemental Security Income on your behalf (if so, we will also ask for information on whose Social Security record you applied); Whether you have used any other Social Security number; Whether you became unable to work because of illnesses, injuries or conditions at any time within the past 14 months. You'll get your card in the mail within 2 to 4 weeks. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. You were born before Jan. 2, 1954. This article has been viewed 13,376 times. If you do have enough credits to qualify for your own Social Security benefits and you apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. There are many factors to think about before claiming Social Security benefits. If you're eligible for your own retirement benefits, you'll get those first. This provision is called a âRestricted application for Spousal Benefitâ and it allows you to apply for benefits based on your spouseâs record while delaying your own social security ⦠You must have a valid email address to set up an online account. This age is based on the year you were born. X This image is not<\/b> licensed under the Creative Commons license applied to text content and some other images posted to the wikiHow website. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Any additional benefits for which you may qualify (e.g. You can find out your NRA, and the NRA of your spouse, at. Having some income from Social Security at FRA and then an increase in monthly benefits at age 70 can make a tremendous difference in later retirement years. Being married can have financial benefits when it comes to Social Security. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. You file a restricted application for spousal benefits only. You should also have your checkbook or other papers that show your account number at a bank, credit union or other financial institution so you can sign up for Direct Deposit, and avoid worries about lost or stolen checks and mail delays. Restricted Application â An application is filed for only a spousal benefit, when the Social Security beneficiary is also entitled to a retirement benefit based on his or her own record. When you reach age 70, contact Social Security and request that they lift the restriction and pay you your benefits, including the DRCs. She received her JD from Indiana University Maurer School of Law in 2006. However, if you can afford to do so, you'll get more money if you wait until you reach your normal retirement age. You can expect the following when applying for Social Security spousal benefits: You can receive up to 50% of your spouseâs Social Security benefit. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. If you're older than your spouse, you can collect your own retirement benefits until your spouse reaches retirement age, then claim the spousal benefits on top of your own retirement benefits. By using our site, you agree to our. It is always based on your spouse's primary insurance amount, which is the amount they would receive if they started claiming benefits at their normal retirement age (NRA). [1] spousal, survivor) could only be paid to the extent that those benefits exceed your own suspended retirement rate. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. Proof of US citizenship status or lawful permanent residence, W-2 forms or self-employment tax returns for the past year, Your final divorce decree, if you're applying as a divorced spouse. A spouse claimant, born on or before January 1, 1954, who is at or past full retirement age (FRA), has the right to restrict the application to exclude RIB. Understanding the full range of benefits youre eligible to receive will enable you to get the most from yo⦠Tip: You can also sign up for direct deposit at a local branch of your bank or credit union. The phrase \"free spousal\" refers to those circumstances in which a married person and some divorced persons can claim spousal benefits without also being forced by Social Security to claim their own retirement benefits. How to Calculate Your Own Social Security Spousal Benefits (the RIGHT Way) The spousal benefit calculation is straightforward if you donât have a benefit of your own. When you apply for Social Security, you automatically apply for the greater of your benefit or half your spouse's benefit. Technically, you would be paid your $200 a month in retirement benefits, plus another $50 a month in spousal benefits, to bring you up to the full $250 a month. Research source. The SSA will request several documents during the application process. You must be at least 61 years and 9 months old and want your benefits to start no more than four months in the future. % of people told us that this article helped them. You can use the card anywhere that MasterCard is accepted or withdraw cash from an ATM. If you live outside of the US, visit the nearest Social Security Field Office. You are caring for a child who is under 16 or disabled. If you would like to request a waiver, call 1-855-290-1545. If the spousal benefits are greater than your retirement benefits, you would be paid your retirement benefits first, then spousal benefits would be used to make up the difference. As a surviving spouse, you can receive 100% of your deceased spouseâs benefits once you reach your full retirement age, or reduced benefits as early as age 60. Your ex-spouse is entitled to Social Security benefits (either retirement or disability), Your retirement benefits are less than your spousal benefits based on their work would be, You've been divorced for at least 2 years (if your ex-spouse has not yet claimed their benefits). We use cookies to make wikiHow great. If "Yes," we will also ask the date you became unable to work; Whether you were ever in the active military service before 1968 and, if so, the dates of service and whether you have ever been eligible to receive a monthly benefit from a military or Federal civilian agency; Whether you or your spouse have ever worked for the railroad industry; Whether you have earned Social Security credits under another country's social security system; Whether you qualified for or expect to receive a pension or annuity based on your own employment with the Federal government of the United States or one of its States or local subdivisions; Whether you are currently married and, if so, your spouse's name, date of birth (or age) and Social Security number (if known). They can help you get them. Please help us continue to provide you with our trusted how-to guides and videos for free by whitelisting wikiHow on your ad blocker. However, if that marriage ends, you may still be able to claim those spousal benefits from your earlier spouse. Once you've filed for your own Social Security retirement benefits, that becomes your primary benefit for life even if you suspend your benefits. Spousal benefits allow you to get up to 50 percent of the total benefits your spouse is eligible for without taking away from their benefits. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. Some people also refer to free spousal benefits as the \"restricted application strategy,\" however we find this term to be less intuitive and will use the term free spousal benefits goin⦠This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. The Social Security Administration sends survivor benefits to about 6 million Americans every month. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
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\u00a9 2020 wikiHow, Inc. All rights reserved. You can file whatâs called a ârestricted applicationâ for just spousal benefits if any of these is true: You were born before Jan. 2, 1954, and have reached full retirement age. In order to qualify for child-in-care spousal benefits: Your spouse must be collecting a retirement or disability benefit, and You must have in your care a child who is under age 16 (or disabled) and who is receiving child benefits on the work record of your spouse. Include your email address to get a message when this question is answered. I waited until age 70 to file for Social Security benefits myself so I now draw retirement benefits that include delayed credits. wikiHow, Inc. is the copyright holder of this image under U.S. and international copyright laws. If you can't apply online or don't want to use the online form, you can also call 1-800-772-1213 (TTY 1-800-325-0778). If you mail documents, you may want to send them using certified mail with return receipt requested, particularly if you're sending original documents. Even if you have a bank account, you can still sign up for a Direct Express card if you prefer to get your benefits that way. If you were born on or before Jan. 1, 1954, once you reach your FRA, you can choose to receive only the spousal benefit by filing a restricted application. We know ads can be annoying, but they’re what allow us to make all of wikiHow available for free. Spousal Benefits. You are eligible for Social Security disability benefits. This image may not be used by other entities without the express written consent of wikiHow, Inc. \n<\/p>
\u00a9 2020 wikiHow, Inc. All rights reserved. She received her JD from Indiana University Maurer School of Law in 2006. Although it isn't required, it will decrease your wait time. Itâs important to consider how the spousal benefit is affected by early retirement. The names, dates of birth (or age) and Social Security numbers (if known) of any former spouses; The dates and places of each of your marriages and, for marriages that have ended, how and when they ended; The names of any unmarried children under age 18, age 18-19 and in elementary or secondary school, or disabled before age 22; The name(s) of your employer(s) and/or information about your self-employment and the amount of your earnings for this year, last year and next year; Whether we may contact your employers for wage information; The month you want your benefits to begin; and. Could possibly get is 32.5 % of your bank or credit union read 13,376 times could get. 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