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When Can I Get Spousal Benefits?

Hi Larry...My name is Michelle...over the years I've heard reveal different rules about spousal benefits...1). That you can claim at 62..2) if spouse passes on..3). After 10 years of marriage...may will be 12 years..he moved out in January 2021..ive been on Sri since 2009..im not asking to get back at him or anything.(.i love him)..i just need help!!..thank you Larry

Hi Michelle. If you're at least age 62 and if your husband is collecting his Social Security retirement or disability benefits, then you could potentially qualify for spousal benefits unless you're eligible for a higher benefit rate based on your own earnings history. Widow's benefits and divorced survivor benefits can be paid as early as age 60, or age 50 if you're disabled. However, if you start drawing spousal or widow's benefits or divorced spousal or survivor benefits prior to your full retirement age (FRA), the benefit rate is reduced for age.

You only need to have been married for at least 1 year to potentially be eligible for benefits on the record of a current spouse. A minimum of 10 years of marriage is required if you're applying for benefits on the record of a divorced spouse. There isn't enough information in your question for me to be able to offer you any advice, so you may want to check with Social Security to see about your benefit options.

Best, Jerry

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Posted: 
Mar 29 2021 - 10:12am
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