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What Are Social Security Spousal Benefits?

Social Security provides several types of benefits, and not all are tied to your earnings. Spousal benefits are based on your partner's lifetime earnings, designed to bridge income gaps between spouses. So how do you qualify? If your spouse is already receiving retirement or disability benefits, you've been married for over a year, and you're 62 or older, chances are you're eligible. The amount you receive depends on your age when filing, typically ranging from 32 to 50 percent of your spouse’s full monthly retirement payment. However, there are a few important things to note. First, collecting spousal benefits will not affect how much your spouse receives, so do not worry about their payments. Second, if you are eligible for your own Social Security retirement benefit, you will receive the higher of the two, not both. Finally, if you are divorced, you could still qualify for spousal benefits under certain conditions, as long as you are 62 or older and the marriage lasted at least 10 years. For further information, visit https://www.aarp.org/retirement/socia... and our new advocacy page, aarp.org/protectsocialsecurity. Find out more at https://www.aarp.org/retirement/socia... or https://www.aarp.org/retirement/socia... For more answers, please subscribe to our channel:    / @aarpanswers   Please consider supporting more content like this by becoming an AARP member: https://www.aarp.org/becomeamember CHAPTERS 00:00 Social Security Spousal Benefits 00:21 What Are Spousal Benefits? 00:38 How to Qualify for Spousal Benefits 00:52 Social Security Spousal Benefit Amounts #aarp #socialsecurity #spouse - - - - - Connect with AARP Online: Visit us: http://aarp.org Like us on Facebook:   / aarp   Follow us on Twitter:   / aarp   AARP is a nonprofit, nonpartisan organization dedicated to helping people ages 50 and older to improve their quality of life as they age. With over 38 million members and growing, we lead positive social change through our extensive product offerings and services.