Social Security is much more than a program that’s sole function is concerned with retirement. Social Security can also be a spousal benefit plan and an insurance plan for dependents. AARP's Social Security Question and Answer Tool can assist with practical, comprehensive information about how, in cases of death or divorce, spouses, ex-spouses and families could be eligible to receive benefits based on your earnings. Understand the ways Social Security can adapt to the ever-changing needs of American families, economically and structurally.
Enter a keyword to get all the answers to your Social Security questions.
A: Social Security will usually only pay benefits for eligible children until age 18. — Read Full Answer
A: An eligible dependent and/or child may be able to receive a portion of your retirement benefits when you claim. — Read Full Answer
A: The Social Security benefits your child receives can be taxed but are usually not. — Read Full Answer
A: To find out how much you can collect on a divorced spouse's record, contact the SSA. — Read Full Answer
A: You can contact the Social Security Administration to find out if an ex-spouse has filed a claim on your record. — Read Full Answer
A: An ex-spouse cannot impact the benefits that you receive on their record. — Read Full Answer
A: If you claim benefits before full retirement age you will always receive your own benefit first. — Read Full Answer
A: Claiming will not impact the benefit your divorced spouse is eligible for. — Read Full Answer
A: If you are single you can claim benefits from either marriage. — Read Full Answer
A: A person who is currently married cannot collect benefits on a divorced spouse's record. — Read Full Answer
A: Both a current and former spouse can collect on a person's record at the same time. — Read Full Answer
A: A spouse must be at least 62 to claim benefits. But by filing for early retirement, the benefit will be permanently reduced. — Read Full Answer
A: If you retire early and your own benefit is greater than your spousal benefit, you will be unable to receive the spousal benefit first. — Read Full Answer
A: Your spouse must claim benefits in order for you to get a benefit on their record. — Read Full Answer
A: Spousal benefit reductions vary based on a person's full retirement age. — Read Full Answer
A: On June 26, 2015, the Supreme Court issued a decision in Obergefell v. Hodges, holding that same-sex couples have a constitutional right to marry in all states. — Read Full Answer
Q: If I apply for my own Social Security benefit before my full retirement age, but switch to a spouse benefit based on my husband's work record when I reach full retirement age, will it be reduced because I claimed my own benefit early?
A: Claiming early will permanently reduce both benefits. — Read Full Answer
Q: If I claim my Social Security benefits at age 62 and my wife waits to claim a spouse benefit at age 66, will she receive 50 percent of my full retirement benefit (which I'd be eligible for at full retirement age) or 50 percent of the reduced benefit I would get because I am claiming early?
A: Spousal benefits are always based on the full retirement benefit. — Read Full Answer
A: Delayed retirement credits will not increase the spousal benefit your partner can collect. — Read Full Answer
A: The family maximum only applies when multiple people claim on one record. — Read Full Answer
A: The file and suspend strategy allows couples to collect a spousal benefit while earning delayed retirement credits. — Read Full Answer
A: Federal law requires that Social Security checks not cashed or deposited after one year of the date of issue, void. — Read Full Answer
A: Survivor benefits will not be reduced if you are receiving a government pension that is not based on your earnings. — Read Full Answer
A: If you are remarried, and the second marriage ends, you will again be eligible for benefits on your first spouse's record. — Read Full Answer
A: If your spouse dies you can collect a survivor benefit on their record. — Read Full Answer
A: Since benefits are paid a month behind (e.g. the benefit for January is paid in February), any payment received during the month of death is payable and does not have to be returned. — Read Full Answer