How to Determine Social Security Spousal Benefits

You might be a long way from retirement, but it's never too early to think about the benefits you and your family will receive later on down the line. For example, the Social Security Administration can provide retirement benefits to your spouse in addition to the benefits it offers to you. Your spouse must be at least 62 or have care of a child who is either disabled or under age 16. Your spouse can collect up to half of what you would collect if you retired between ages 65 and 67. She can collect the benefits even as you receive your own benefits.

Step 1

Visit the Social Security Administration website at http://www.ssa.gov/oact/quickcalc/spouse.html.

Step 2

Fill in the required fields. You will need to provide your date of birth and the month and year you want to start collecting benefits.

Step 3

Click "Compute." The resulting screen displays a percentage of the primary insurance amount for which you will be eligible if you start collecting benefits on the desired date.

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