Benefits Planner: Retirement 


Benefits For Your Spouse 
Even if you have never worked under Social Security , you may be able to get spouse s retirement benefits if you are at least 62 years of age and your spouse is receiving retirement or disability benefits. You can also qualify for Medicare at age 65. If you are divorced , you may still be able to get benefits on your ex - spouse's record. For information on the requirements for Divorced Spouse's Benefits , read " If You Are Divorced You can receive the spouse's benefit no matter what your age is if you are caring for their child who is also receiving benefits. 

How Much Will I Receive? 
If you qualify and apply for your own retirement benefits and for benefits as a spouse , we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits , you will get a combination of benefits equaling the higher spouse benefit. If you begin receiving benefits : between age 62 and your full retirement age , the amount will be permanently reduced by a percentage based on the number of months up to your full retirement age. If you are under full retirement age and you continue to work while receiving benefits , your benefits may be affected by the retirement earnings test. at your full retirement age , your benefit as a spouse cannot exceed one - half of your spouse's full retirement amount. If you were born before January 2 , 1954 and have already reached full retirement age , you can choose to receive only the spouse s benefit and delay receiving your retirement benefit until a later date. If your spouse is full retirement age and applying for spouse s benefits only , they can apply online by using the retirement application. Your spouse can also contact us to schedule an appointment. If your spouse s birthday is January 2 , 1954 or later , the option to take only one benefit at full retirement age no longer exists. If your spouse files for one benefit , they will be effecti

user: I need to know how to colect social security under my spouse

assistant: Are you at least 62 years of age and is your spouse currently receiving retirement or disablilty benefits?

user: yes

assistant: even if you have never worked under social security you may be able to get your spouses retirement benefits because you are at least 62 years old. You can also qualify for medicare at age 65

user: What if we are divorced?

assistant: you may still be able to get benefits on your ex-spouse's recod

user: What are the requirements for Divorced spouses benefits?

assistant: For information on the requirements for divorced spouses benefits  read " If You Are Divorceds

user: How much will I receive if they only files for one benefit?

assistant: If your spouses birthday is Jan.2, 1954 or later the option to take only one benefit at full retirement age no longer exists. read they will be effectively filing for all retirement or spousal benefits .

user: Will this decrease my spouses retirement benefit?

assistant: Benefits paid to you as a spouse will not decrease your spouse s retirement benefit.  In fact ,the value of the benefits you may receive , added to their benefits , may help your spouse decide if taking benefits sooner may be more advantageous .