Even if you have never worked under Social Security, you may be able to get spouse’s retirement benefits if you are at least 62 years of age and your spouse is receiving retirement or disability benefits. You can also qualify for Medicare at age 65.
You can receive the spouse's benefit no matter what your age is if you are caring for their child who is also receiving benefits.
If you qualify and apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit.
If you begin receiving benefits:
- between age 62 and your full retirement age, the amount will be permanently reduced by a percentage based on the number of months up to your full retirement age.
- at your full retirement age, your benefit as a spouse cannot exceed one-half of your spouse's full retirement amount.
If you are under full retirement age and you continue to work while receiving benefits, your benefits may be affected by the retirement earnings test.
If you will receive a pension for work not covered by Social Security such as government employment, the amount of your Social Security benefits on your spouse's record may be reduced
Benefits paid to you as a spouse will not decrease your spouse’s retirement benefit. In fact, the value of the benefits you may receive, added to their benefits, may help your spouse decide if taking benefits sooner may be more advantageous.
Maximum Family Benefits
If one of your spouse's children also qualifies for benefits, there is a limit to the amount we can pay family members.
The total depends on your spouse's benefit amount and the number of family members who also qualify on the same record. The total varies, but generally the total amount the worker (your spouse) and their family members can receive is about 150 to 180 percent of the worker's full retirement benefit.
Note: If there is an ex-spouse who also qualifies for benefits, they will not affect the total amount of benefits you or your family may receive.
You can apply:
- Online - Use our Social Security Retirement/Medicare Benefit Application to apply for retirement, spouse's, divorced spouse's or Medicare benefits.
- By phone - Call us at 1-800-772-1213. If you are deaf or hard of hearing, you can call us at TTY 1-800-325-0778.
If your spouse is already receiving benefits when you apply, or if you and your spouse apply at the same time, we will also check your eligibility for benefits as a spouse. If you qualify, your application will automatically serve as a request for spousal benefits.
In person - Visit your local Social Security office. (Call first to make an appointment.)
If you do not live in the U.S. or one of its territories you can also - Contact the nearest U.S. Social Security office, U.S. Embassy or consulate.
The Next Step
Even if you do not qualify for benefits on someone else's record, some members of your family may qualify for benefits on your record. If you: