Alert
Close

New! Boost your memory with AARP Brain Fitness. Try these fun exercises proven more effective than crosswords

AARP Membership: Just $16 a Year

Highlights

Close

Dunkin' Donuts

Members receive a Donut with purchase of a L or XL beverage

Social Security Calculator

What will your Social Security benefits pay out?

Savings Icon

Tanger Outlets

Access to a free coupon book

Technical Icon

Spanish Preferred?

Visit aarp.org/espanol

Job Tips for Workers 50+

Hear insights from hiring employers

work
PROGRAMS

Best Employers for Workers Over 50

See the latest winners of this AARP recognition program.

National Employer Team

See which companies value older workers.

Employer Resource Center

Attract and retain top talent in a changing workforce.

most popular
ARTICLES

Viewed

Recommended

Commented

AARP's Social Security Q&A Tool

If I delay claiming my Social Security benefits until after full retirement age, will my spouse receive a spouse benefit based on the additional amount I will receive because I waited?

  • Text
  • Print
  • Comments
  • Recommend

No. The benefit your spouse will receive will be a portion of the benefit you were eligible for at full retirement age. Delayed retirement credits, which you acquire by postponing benefits beyond full retirement age, do not apply to spouse benefits, but they do apply to survivor benefits (the benefit the spouse would get after the breadwinner's death). In order for a husband or wife to begin receiving spouse benefits, the breadwinner and the spouse must be at least age 62. In addition, the breadwinner must file for Social Security retirement benefits before the spouse can receive spouse benefits based on the breadwinner's earnings. So, waiting beyond full retirement age to claim benefits will boost your spouse's benefit after your death (her widow benefit) but not the spouse benefit he or she  will receive when you're still alive.

Was this helpful to you?

Thank you - your feedback has been sent.

submit a question to
AARP EXPERTS

Didn’t see the answer to your question? Help us improve the tool by submitting your Social Security question. Go

more about
SOCIAL SECURITY

Your Work

Jobs You Might Like

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

Life Insurance

Members can receive term, permanent coverage AARP Life Insurance Program from New York Life.

Auto Insurance

Members can receive lifetime renewability with AARP® Auto Insurance Program from The Hartford.

Red car fuel door with dollar bill, Fuel cost calculator

Members can estimate their fuel costs with the Fuel Cost Calculator powered by Cost2Drive.

Member Benefits

Members receive exclusive member benefits & affect social change. Renew Today

Being Social

Featured
Groups

watercooler

The Water Cooler

Expand your job network, find new leads and share tips for getting ahead. Discuss

entrepreneurs

Entrepreneurs

Find the start-up resources and advice you need to be your own boss. Discuss

Employment Networking Group

Networking

Connect with others who are seeking employment. Join