Social Security payments serve as a vital source of income for millions of retirees, but did you know that spouses of retired workers may also qualify for benefits? While the average Social Security retirement payment is $1,978 as of January 2025, spousal benefits provide additional financial support for eligible partners.
Who Qualifies for Social Security Spousal Benefits?
Spouses of retired workers can receive Social Security benefits based on their partner’s work record. The average monthly spousal benefit is $961, but the exact amount varies depending on multiple factors, including the retiree’s earnings history and the spouse’s filing age.
Payment Schedule for February 2025
If you qualify for spousal benefits and your birth date falls between the 21st and 31st of any month, you will receive your payment on February 26, 2025. However, if you receive both Supplemental Security Income (SSI) and retirement benefits, your payment will arrive earlier—on March 3, 2025.
Benefits for Spouses with Qualifying Children
Spouses who are not yet 62 years old may still qualify for Social Security benefits if they are caring for a child who meets certain eligibility criteria. Qualifying children can receive an average monthly benefit of $919.02 in 2025. To qualify, the child must be under 16 or receiving Social Security disability benefits.
How Much Can a Spouse Receive?
The maximum spousal benefit is up to 50% of the retired worker’s benefit amount, assuming the spouse files at their full retirement age (FRA). If a spouse files early, their benefit will be reduced. Conversely, delaying past FRA does not increase spousal benefits beyond the 50% threshold.
Frequently Asked Questions (FAQs)
1. Can I receive spousal benefits if I never worked?
Yes! If your spouse qualifies for Social Security retirement benefits, you can receive spousal benefits even if you never worked, provided you meet the eligibility requirements.
2. Can I receive both my own Social Security benefits and spousal benefits?
You will receive whichever benefit is higher: your own retirement benefit or your spousal benefit. Social Security will not pay both in full.
3. Does my spouse need to claim Social Security before I can receive spousal benefits?
Yes. You cannot receive spousal benefits until your spouse has started receiving their own Social Security retirement benefits.
4. What happens if I claim spousal benefits before my full retirement age?
If you claim spousal benefits before reaching your full retirement age, your monthly benefit will be reduced permanently.
5. Can divorced spouses qualify for Social Security spousal benefits?
Yes, if you were married for at least 10 years, are currently unmarried, and your ex-spouse is eligible for Social Security benefits, you may be able to claim spousal benefits.
Social Security spousal benefits can provide essential financial support to many families. If you’re unsure about your eligibility, consider reaching out to the Social Security Administration or checking your benefit estimate online through the SSA website.