Retirement Social Security Spouse Guide for Married Benefits (2026)
Understand spousal Social Security: spouse benefit amount, timing, survivor benefits, and married couple SS strategy.
Summary
Married couples have additional Social Security strategies. This guide explains spousal and survivor benefits.
Key Steps
- 1Spousal benefit: up to 50% of spouse's FRA benefit if higher than own.
- 2Timing: spouse can claim when primary filer has claimed (any age).
- 3Survivor benefit: 100% of deceased spouse's benefit (or own if higher).
- 4Restricted application: strategy for maximizing combined benefits.
- 5Coordination: coordinate claiming ages to maximize lifetime benefits.