Social Security Spousal Benefits (Government Benefits & Programs) - Definition, Examples, Advice | Bolder Money

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Definition

Benefits that allow a spouse to receive a portion of the other spouse’s Social Security benefits, increasing retirement income.

What to consider

Understand the requirements for receiving spousal benefits.
Coordinate with your partner to optimize your retirement income.
Review your options as you both approach retirement.

Real world scenarios

With a lower earnings history, Lisa claims spousal benefits based on her husband’s higher record, increasing her monthly retirement income.
Stephen defers his own Social Security to let it grow while he temporarily collects spousal benefits, maximizing overall payouts later.
When Maria’s husband passes away, she transitions to survivor benefits, ensuring she maintains financial support in retirement.

Related terms

Government Benefits & Programs

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