Alert
Close

Help hungry seniors. Deliver help and hope before Thanksgiving. Donate

AARP's Social Security Q&A Tool

If I apply for early retirement benefits and switch to a spouse benefit when I reach full retirement age, will the benefit be reduced?

Spousal benefits are calculated by subtracting your monthly benefit at full retirement age(FRA) from 1/2 of the full retirement benefit of your spouse.  If you claim only your benefit early the benefit on your record will be permanently reduced.  If you then claim a spousal benefit at 66 the spousal benefit will not be reduced and it will be added to your reduced benefit.  As a result, the amount you receive will be higher than if you had claimed both at the same time but below 50% of the benefit.  For example, lets say your monthly benefit at FRA is $1000 and your spouses FRA benefit is $2400.  Your spousal benefit would be $200(2400/2=1200-1000=200).  If you claim your benefit at 62 it would be reduced by 25% to $750.  When you claim the spousal benefit at FRA you will receive the extra $200 for a total of $950.

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

Search Social Security Q&A Tool

Enter a keyword to get all the answers to your Social Security questions.

Discounts & Benefits

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

UPS Store membership discount aarp benefits

Members save 15% on eligible products/services, 5% on UPS shipping at The UPS Store®.

membership adt

Small business owners save 20% on new installation of any new ADT security system.

Mujer en la parte de afuera de so negocio

Free quotes for members from the AARP® Small Business Insurance Program.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.