Maximize Social Security Spousal Benefits 2024 – Know How To, Amount & Eligibility

Millions of the American population is dependent upon the Social Security Benefits. The federal government has made many different schemes for the welfare of all kinds of people. The Social Security Administration has something for the support of spouses, divorced, widows or widower. The spouse is also eligible to claim the 50% of the Social security Benefit. And the widow or widower is eligible for the 100% SSI benefit. There are some tricks How To Maximize Social Security Spousal Benefits. Every year the federal government increases the spousal benefit by 8%.and delay in claiming the benefit will maximize the amount. The Social Security Spousal Benefits Payment Amount 2024 depends upon the contribution in the Social security in the tenure of his/her service. Before applying the claimant must check the Social Security Spousal Benefits Eligibility first.

Social Security Spousal Benefits

The Spousal Benefit is basically a retirement benefit for the spouse of the earner. The Social Security Spousal Benefits Payment Amount 2024 is deliberated on the basis of contribution to the retirement fund from the income. To affirm the SSA Spousal Benefits the spouse must be 62 years old. The amount varies with the credit points earned. To be eligible the copartner must have at least earned 40 credit points and had 10 years of service. The delay in claiming the Social Security Spousal Benefits, the amount will automatically increase. Every year the American government increases the Social Security Spousal Benefits by 8%. The spouse having the eligible child, who is disabled and not more than 16 years old can also claim the Social Security Spousal Benefits. The amount of Social Security Spousal Benefits

It depends upon the employees earning and contribution in SSA. the more you capitalize your social security the Social Security Spousal Benefits will increase.

How to Maximize Social Security Spousal Benefits

Who can can claim the Social Security Spousal Benefits

Before applying the spouse must check the Social Security Spousal Benefits Eligibility Criteria:

  1. The claimant is at least 62 years old
  2. If you are having disabled child under 16 years old and he/she is already taking the benefits of SSDI then age criteria is not applicable.
  3. You are the citizen of America
  4. The worker must have earned a minimum 40 credit points and worked at least 10 years .
  5. If you are divorced then you can only claim if the marriage last for 10 years
  6. The widow/ widower is eligible for the up to 100% Social Security Spousal Benefits
  7. Only the divorced unmarried individual is eligible to claim Social Security Spousal Benefits

How To Maximize Social Security Spousal Benefits

You can maximize your Social Security Spousal Benefits by following the below mentioned tricks:

  • Invest more in retirement fund:

To increase the benefit of Social Security Spousal Benefits the partners must increase their earning and increase the contribution to retirement funds

  • Hold up the claim:

Another way to maximize your Social Security Spousal Benefits is delay in claiming your benefits. The couples who claim 70 years get the maximum Social Security Spousal Benefits Payment Amount 2024. Because every year Social Security Spousal Benefits increases with 8% as the COLA increases and the government continues increasing it till 70 years.

  • Divorced can claim Social Security Spousal Benefits:

Only the divorced and unmarried person can claim the Social Security Spousal Benefits and who has attained the age of 62 years.

How To Calculate Social Security Spousal Benefits

The Social Security Spousal Benefits is calculated on the earnings of the worker. 

The maximum you can claim is 50% of the Social Security Spousal Benefits. Only the widow or widower who is not remarried can claim up to 100% of the Social Security Spousal Benefits. The online calculator is available on the official web site of the SSA. The minimum age to claim is 62 years and the maximum amount is to be claimed at 70 years. Later the Social Security Spousal Benefits Payment Amount 2024 is stagnant. 

Social Security Spousal Benefits For Divorced Spouses

The divorced who is 62 years is eligible for the Social Security Spousal Benefits

Until he/she does not remarry. Only the unmarried divorcee is eligible for Social Security Spousal Benefits or he/she is eligible disabled dependent child/children, Individuals can claim at any age. And the divorced couple’s marriage must last at least 10 years.  

How To Claim Social Security Spousal Benefits

Steps to claim the Social Security Spousal Benefits online

  1. First and foremost is to hire a legal representative.
  2. Login the official website of SSA
  3. Creating an account if you don’t have
  4. Then fill the Social Security Spousal Benefits
  5. Upload the required documents
  6. And submit the form.

The other two ways to apply for the Social Security Spousal Benefits

  1. Calling the toll free number
  2. By visiting the SSA office in person to submit all the documents and application form.

Documents Required For Applying Social Security Spousal Benefits

Following are the list of documents you must have in your hand before applying for the Social Security Spousal Benefits

  1. Birth certificate
  2. Citizenship document
  3. W-2 form
  4. Tax return documents
  5. Marriage certificate
  6. Divorce decree
  7. If an ex-military employee must have the discharge papers.

FAQs on How to Maximize Social Security Spousal Benefits

At what age the Social Security Spousal Benefits is maximum?

If you claim at 70 years then the maximum Social Security Spousal Benefits Payment Amount 2024 will be credited in your account.

What  will happen to Social Security Spousal Benefits if the divorced person remarries?

The SSSB will be stopped and you will be eligible for the Social Security Spousal Benefits of your current spouse.

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