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In brief, as a spouse, you can claim a Social Security benefit based on your own earnings record, or you can collect a spousal benefit that will provide you 50% of the amount of your spouse’s Social Security benefit as calculated at their full retirement
age (FRA). Your personal
FRA depends on your year of birth.
You are automatically entitled to receive the benefit that provides you the higher monthly amount; either a benefit based on your own earnings, or the spousal benefit, and prior to reaching full retirement age, Social Security makes this determination for you.
After you reach full retirement age, you can choose to receive only the spousal benefit, and delay receiving your retirement benefits until a later date, allowing you to receive a higher benefit later based on the effect of delayed retirement credits
You must be age 62 to qualify for either type of Social Security benefit.
You cannot collect a spousal benefit until your spouse files for their own benefit. (Slightly different rules
apply for ex-spouses - scroll to bottom for a link to spousal benefits for ex-spouses.)
You may wish to refer to the following SSA webpage for more information regarding calculations and other info relating to the spousal benefits.