Social Security Spousal Benefits

The full retirement age for spousal benefits is 66.

The earliest age at which a spouse can claim spousal benefits is 62.

The maximum amount of spousal benefits that a spouse can receive is 50% of the worker's benefit.

The reduction in spousal benefits if a spouse claims benefits before full retirement age is 6.67%/year.

The increase in spousal benefits if a spouse delays claiming benefits beyond full retirement age is 8%/year.

The survivor benefit for a spouse who is receiving spousal benefits when the worker dies is 100% of the worker's benefit.

The survivor benefit for a spouse who is not receiving spousal benefits when the worker dies is 71.5% of the worker's benefit.

The minimum number of quarters of coverage that a worker needs to have to qualify for spousal benefits is 40.

The maximum number of quarters of coverage that a spouse can earn in a year is 4.

The average monthly Social Security benefit for a spouse in 2023 is $1,500.

The maximum amount of earnings that a spouse can have in a year without reducing their spousal benefits is $19,560.

The reduction in spousal benefits for every $2 above the earnings limit is $1.

The age at which a spouse can no longer receive spousal benefits is 70.

The name of the government agency that administers Social Security benefits is the Social Security Administration.

The website of the Social Security Administration is www.ssa.gov.