The basics
A spouse may be eligible for a benefit based on the other spouse’s work record. At full retirement age, the spousal benefit can be up to 50% of the worker’s full benefit amount.
If you qualify on your own record as well, you generally receive the higher of the two amounts rather than both.
Divorced spouses
Divorced spouses may also qualify in certain cases, such as when the marriage lasted at least ten years. Rules are specific, so confirm your situation directly with the Social Security Administration.
This article is general education, not individualized financial, tax or legal advice. Rules change; confirm details with the Social Security Administration.
Want the complete picture?
Get the Free Guide