#spousal-benefits tag

3 days ago

Retirement

The Family Maximum Benefit Rule That Caps Social Security at $5,300 a Month for Households With Young Children

4 days ago

Retirement

There Is One Situation Where Claiming Social Security Benefits After FRA Almost Never Makes Sense

The Spousal Benefit That Triples a Stay-at-Home Parent's Social Security to $1,400 a Month at 67

Spousal benefits can raise a lower earner’s Social Security payment to up to 50% of the higher earner’s full retirement age benefit, often by over $1,000 monthly.

When Claiming Social Security at 62 Beats Waiting Until 70 in Real Dollars

Claiming Social Security earlier can outperform waiting to 70 when longevity is limited, benefits are reduced by claiming rules, or household circumstances change.

1 month ago

3 Social Security Rules All Married Retirees Need to Understand After the WEP and GPO Repeal

The Social Security Fairness Act repealed provisions that reduced benefits for public employees, significantly impacting spousal benefits and survivor benefits.

3 days ago

Why Switching From Spousal to Survivor Benefits Adds $1,224 a Month for the Rest of a Widow's Life

Survivor benefits can replace spousal benefits with up to 100% of a deceased spouse’s PIA, increasing monthly income for life.

3 days ago

The Family Maximum Benefit Rule That Caps Social Security at $5,300 a Month for Households With Young Children

A family maximum benefit caps total Social Security payments to a worker’s dependents, reducing expected auxiliary checks even when individual benefits seem eligible.

4 days ago

There Is One Situation Where Claiming Social Security Benefits After FRA Almost Never Makes Sense

Spousal benefits usually should be claimed at full retirement age or sooner because delayed retirement credits don’t increase them after that point.

The Spousal Benefit That Triples a Stay-at-Home Parent's Social Security to $1,400 a Month at 67

Spousal benefits can raise a lower earner’s Social Security payment to up to 50% of the higher earner’s full retirement age benefit, often by over $1,000 monthly.

When Claiming Social Security at 62 Beats Waiting Until 70 in Real Dollars

Claiming Social Security earlier can outperform waiting to 70 when longevity is limited, benefits are reduced by claiming rules, or household circumstances change.