How do I apply for spousal Social Security benefits?

Form SSA-2 | Information You Need to Apply for Spouse’s or Divorced Spouse’s Benefits. You can apply: Online, if you are within 3 months of age 62 or older, or. By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office.

Can I collect spousal benefits and wait until I am 70 to collect my own Social Security?

You can only collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.

Does a spouse automatically get Social Security benefits?

For many working couples, both partners will be eligible to collect individual benefits. If your own benefit is larger, you will automatically receive that amount. If your spousal benefit is larger, you will receive a combination of benefits that total that amount.

Can a married couple collect two Social Security checks?

No. Each spouse can claim their own retirement benefit based solely on their individual earnings history. You can both collect your full amounts at the same time. Say you and your mate both claimed Social Security at full retirement age.

What is the best age to apply for Social Security?

You can start collecting Social Security benefits any time between ages 62 and 70. The best age for Social Security benefits depends on personal and financial factors, like your current cash needs, retirement plans, health and family history.

Can couples still file and suspend Social Security?

Updated October 22, 2020 Due to Social Security rules that became law in November 2015, the file and suspend strategy is no longer available for couples. It worked for those who suspended benefits on or before April 30, 2016. Now, you can still suspend benefits, but your spouse can’t receive a spousal benefit while your benefits are in suspension.

How do you apply for spouse Social Security benefits?

Applying for Social Security Benefits. Eligible ex-dependent spouses do not automatically begin receiving Social Security. They must file an application with the Social Security Administration. This can be done in-person at a local SSA office, at www.ssa.gov or by calling 800-772-1213.

When can I apply for SS Benefits?

You can apply for Social Security retirement benefits as early as the age of 61 years and 9 months, or three months before the minimum age to collect.