Social Security Corner
ocial Security benefits are a crucial part of millions of Americans’ retirement income. If you don’t have enough Social Security credits to qualify for benefits on your own record, you may be able to receive benefits on your spouse’s record.
receive benefits on your spouse’s record. If you’re eligible to receive retirement benefits on your own record, we will pay that amount first. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits that equal the higher spouse benefit.
To qualify for spouse’s benefits, you must be one of the folby For example, lowing: 62 years Sandy qualifies of age or older, for a retireor any age and ment benefit have in your care of $1,000 and a a child younger spouse’s benefit than age 16, or of $1,250. At her who has a disability full retirement age, she and is entitled to receive will receive her own $1,000 benefits on your spouse’s record. retirement benefit. We will add Your full spouse’s benefit $250 from her spouse’s benefit, could be up to one-half the for a total of $1,250. amount your spouse is entitled Want to apply for either your to receive at their full retireor your spouse’s benefits? Are ment age. If you choose to you at least 61 years and nine receive your spouse’s benefits before you reach full retirement months old? If you answered yes to both, visit www.ssa. age, you will get a permanently gov/benefits/retirement to get reduced benefit. started today. If you wait until you reach Are you divorced from a full retirement age to receive marriage that lasted at least 10 benefits, you’ll receive your full years? You may be able to get spouse’s benefit amount, which benefits on your former spouse’s is up to one-half the amount record. You can find out more your spouse can receive. You’ll by visiting www.ssa.gov/planalso get your full spouse’s ners/retire/divspouse.html for benefit if you are under full more information. retirement age, but care for a child and one of the following The writer is with the Social applies: the child is younger Security Administration in than age 16, or the child has Albany. a disability and is entitled to
Elizabeth Pivonka
Your full spouse’s benefit could be up to one-half the amount your spouse is entitled to receive at their full retirement age.
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