Drawing Ss On Spouse at Drawing

Drawing Ss On Spouse. The younger spouse (who doesn't need to have turned 62 at the end of 2015) claims social security benefits based on his or her own earnings record. My spouse is 65 years old and has recently filed for social security retirement benefits.

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You are automatically entitled to receive whichever benefit provides you the higher monthly amount. There is no limit to the amount you can earn while drawing social security. The chart below provides examples of the percentage of your full retirement benefit amount you and your spouse would receive from age 62 up to your full retirement age.

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Even if your spouse was older and already taking their social security benefit, you cannot start a survivors benefit until you are 60 years old. Any age and caring for a child entitled to receive benefits on your spouse’s record and who is younger than age 16 or disabled. If you decide to opt for the spousal benefit but have not yet reached full retirement age yourself, that benefit will be less than 50 percent. You can apply for benefits if you have been married for at least one year.