The Social Security Administration (SSA) has officially announced that starting February 2025, eligible spouses of retired workers will receive an average spousal benefit of $930 per month. This financial assistance aims to support spouses who may not have a sufficient work history of their own but qualify based on their partner’s Social Security record.
Who Qualifies for the $930 Spousal Benefit?
To be eligible for spousal benefits, individuals must meet the following requirements:
- Be at least 62 years old or be caring for a child under 16 years old (or a disabled child receiving Social Security benefits).
- Be legally married for at least one year to a retired worker receiving Social Security benefits.
- Not qualify for a higher Social Security benefit based on their own earnings record.
How Much Can You Receive?
Spousal benefits are generally calculated as up to 50% of the retired worker’s full benefit amount. However, this can vary based on when the spouse chooses to claim benefits:
- If the retired worker receives $2,000 per month, their spouse could receive up to $1,000 per month.
- If a spouse claims benefits before their full retirement age (FRA), their payments will be reduced. For example, instead of $1,000, they may receive only $700–$800 per month.
How to Apply for Spousal Benefits
Eligible individuals can apply for spousal benefits through various methods:
- Online – Visit the SSA website at www.ssa.gov and submit an application.
- By Phone – Call SSA at 1-800-772-1213 for assistance.
- In-Person – Visit your local Social Security office to apply directly.
Required Documents:
Before applying, ensure you have the following documents ready:
- Birth certificate
- Marriage certificate
- Social Security number
- Spouse’s Social Security number
- Divorce records (if applicable)
Processing Time:
The SSA typically processes applications within 3-6 weeks. Once approved, beneficiaries will receive an official confirmation letter detailing their payment schedule.
Interesting Fact About Spousal Benefits
Did you know that even divorced spouses may be eligible for spousal benefits? If you were married for at least 10 years, have not remarried, and your ex-spouse qualifies for Social Security benefits, you can apply for spousal benefits based on their earnings record!
Frequently Asked Questions (FAQs)
1. When will the $930 payments begin?
- The payments will begin in February 2025 for qualifying recipients.
2. Can I receive spousal benefits if I never worked?
- Yes! If your spouse qualifies for Social Security benefits, you may receive up to 50% of their benefit amount.
3. What happens if I claim benefits before my full retirement age?
- Your benefits will be permanently reduced if claimed before reaching FRA.
4. Can I receive both my own Social Security and spousal benefits?
- No. The SSA will pay only the higher of the two benefits, not both.
5. How can I check my estimated spousal benefit amount?
- You can log into your mySocialSecurity account online to view estimates.
6. Do I need to reapply for benefits every year?
- No, once approved, your benefits will continue automatically unless your eligibility changes.
7. What if my spouse has passed away?
- You may qualify for Survivor Benefits, which could provide a higher payment than spousal benefits. Check the SSA website for more details.
Final Thoughts
If you or someone you know may qualify for spousal benefits, it is crucial to understand the eligibility criteria and take action now. Start gathering necessary documents and apply early to ensure you receive your payments on time. The SSA’s spousal benefits program is designed to provide essential financial support—make sure you maximize your benefit options!