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dylatess, ATTORNEY
Category: Social Security
Satisfied Customers: 3441
Experience:  37 plus years of SSD practice
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I understand, from couples who are doing this, that I can

Customer Question

I understand, from couples who are doing this, that I can receive benefits on my spouse's record even though we are not divorced & my spouse is still living. I was told by a good friend & neighbor that she she has been receiving SS benefits, both her own & also on her husbands work record, for some time. I have heard this from other people as well.
Due to circumstances beyond the control of either my husband or myself I find myself in
serious financial difficulty with few options. I will be truly grateful for any information or help you can give me.
Submitted: 12 months ago.
Category: Social Security
Expert:  emc011075 replied 12 months ago.

Hi. My name is ***** ***** I will be happy to help you.

You may be eligible for benefits based on your spouse's records if you are at least 62, still married, your spouse is receiving his own benefits and your benefits based on your own records are less than your spousal benefits. You can only receive one benefits at the time, your own or spousal but not both combined.

The social security breaks it down differently, but your total benefit will not be more than the higher of your own OR spousal benefits. For instance if your own benefits are $800 and your spousal benefits are $950, your total benefits will be $950: $800 of your own benefits and $150 of spousal benefits.