How to Claim Spousal Social Security Benefits Before Your Spouse Retires
Eligibility Requirements for Spousal Social Security Benefits Explained
SmartAsset says that if your spouse is eligible and has applied for Social Security benefits, you can start getting some of their benefits before they retire, as long as you are at least 62 years old. But remember, if you claim early, you might get less money. It’s a good idea to talk to a financial advisor to understand your choices and make the best decision for you.
To get spousal Social Security benefits, you need to meet certain requirements. Your spouse must qualify for Social Security retirement or disability benefits. You must be at least 62 years old or care for a child under 16 or disabled who receives benefits. Also, you must have been married for at least one year. If you are divorced, you need to have been married for at least ten years and be currently unmarried.
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62% of Social Security Secrets: Claiming Spousal Benefits Before Retirement (PHOTO: SmartAsset)
Maximize Your Social Security Benefits – Key Factors to Consider Before Collecting
Choosing when to collect Social Security is important. If you collect early, you get less money each month. If you wait, you get more. Think about your health, how long you might live, and if you will keep working. Also, look at your finances. A financial advisor can help you decide.
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