Social Security Questions? Ask a Social Security Expert
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In the right circumstances, you can boost your benefit payout by claiming a spousal benefit.
A spousal benefit is at most 50% of the higher benefit spouse. That is reduced to the claiming spouse if you originally claimed early (before full retirement age).
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.
Note: 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 his or her child who is also receiving benefits.
How Much Will I Receive?
If You Or Your Current Spouse Are Full Retirement Age
How Do I Apply?
The math varies for each applicant. If you think there is a larger benefit available, you have to apply for it (it isn't automatic). There is a link to the application online screen above.
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