From Yahoo Finance: 2025-05-31 06:45:00

Spousal benefits could be more valuable than your own retirement benefits if your spouse was a higher earner. Decisions on spousal benefits affect the amount of money you receive, and rules on when you can claim them must be considered. Married couples should understand the rules to maximize lifetime income.

To claim spousal benefits, the spouse whose record is being claimed must file for retirement benefits. Benefits are calculated based on the spouse’s work history, and cap out at 50% of the higher earner’s primary insurance amount. Delayed retirement credits do not apply to spousal benefits, and benefits can be reduced if claimed before full retirement age.

Understanding these rules helps couples make informed decisions on when to claim benefits. By strategizing, couples can maximize income and ensure financial security in retirement. Consider exploring “Social Security secrets” to boost retirement income and retire confidently with peace of mind. View the “Social Security secrets” to learn more.

Read more: 3 Facts About Social Security Spousal Benefits All Couples Must Know