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Social Security is much more than a retirement program. It’s also an important tool for building family financial stability, with opportunities for your spouse and children to draw monthly benefits based on your earnings. The AARP Social Security Resource Center is an online tool designed to help you and your family make the most of your benefit options. This section offers practical, comprehensive information about:
Q: How does marriage affect my Social Security benefits?
Q: Can same-sex married couples get Social Security benefits?
Q: Is there a limit on Social Security benefits for married couples?
Q: How does Social Security work when a spouse dies?
Q: I am disabled but do not have enough work credits to claim SSDI benefits. Can I claim disability benefits on my spouse's record?
Q: Does what my spouse makes affect the earnings limit for my benefits?
Q: Does Social Security recognize common-law marriages?
Q: Can I collect Social Security on my spouse’s record?
Q: Can couples still use the “file and suspend” strategy?
Q: Can my spouse collect Social Security on my record before I retire?
Q: Can I collect spousal benefits if I earned my own Social Security benefits?
Q: Can I file for my Social Security at 62 and switch to my spouse’s record later?
Q: Can I collect spousal benefits and wait until I am 70 to claim my own Social Security?
Q: If I wait until 70 to claim Social Security, will my spouse get a bigger benefit as well?
Q: Can I collect my own government pension and Social Security on my spouse’s record?
Q: If I receive a spouse benefit, will it reduce the amount my spouse receives?
Q: I am receiving Social Security disability benefits. Is my wife eligible for spousal benefits?
Q: Does my spouse have to file for Social Security retirement benefits for me to receive spousal benefits?
Q: How much of my husband's Social Security retirement benefit will I receive if I retire at 62 and he retired at full retirement age?
Q: How long do you have to be married to collect spousal benefits?
Q: Can my children get benefits on my Social Security when I retire?
Q: Can my children get my Social Security benefits when I die?
Q: Can a grandchild get Social Security?
Q: Is my disabled child eligible for Social Security benefits?
Q: Who is responsible for handling Social Security benefits paid to a minor?
Q: If I file for Social Security at 62 and continue to work, will my earnings affect family benefits for my spouse and children?
Q: Can the parents of a deceased Social Security recipient get survivor benefits?
Q: What is the family maximum benefit?
Find the answers to the most common Social Security questions such as when to claim, how to maximize your retirement benefits and more.
Didn't find the answer to your Social Security question? Submit your question here.
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