Can my husband get higher Social Security spousal benefits from my record if his FRA amount is lower than mine?
I started collecting my Social Security retirement benefits when I reached my full retirement age last year. My monthly benefit is around $2,800. My husband of 27 years is planning to file for his retirement benefits when he reaches his full retirement age next month, but his estimated benefit is only going to be about $1,900 per month according to his statement. Since his benefit is quite a bit lower than mine, I'm wondering if he qualifies for a higher amount based on my earnings record? If so, how much more would he get? Is it a percentage of my benefit or something else? I'm trying to help us plan our retirement budget. Thanks for any information!
12 comments
Emma Taylor
Yes, your husband may qualify for spousal benefits! When someone's own benefit is less than half of their spouse's benefit, they can receive a combination payment. At his FRA, he would get his own $1,900 benefit PLUS the difference between that amount and 50% of your benefit. So he'd get $1,900 + ($1,400 - $1,900) if that difference is positive. But since $1,900 is more than half your benefit ($1,400), he would just get his own benefit amount. Spousal benefits max out at 50% of your PIA.
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Javier Garcia
•Thank you for explaining! So if I understand correctly, since his own benefit ($1,900) is already higher than half of mine ($1,400), he won't get any additional amount? I thought maybe he'd get his full benefit PLUS some percentage of mine. Retirement planning is so confusing sometimes.
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Malik Robinson
my wife got the same answer when she asked about getting some of my SS. she gets 1700 and I get 2100 and the SSA people said she gets hers because its more than 1/2 of mine. its confusing but thats how it works i guess
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Isabella Silva
•This is one of those SS rules that never made sense to me! You pay into the system your whole life but then some people get extra and some don't based on this 50% calculation? And don't get me started on the WEP and GPO reductions that penalize government workers!!! The whole system needs an overhaul if you ask me.
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Ravi Choudhury
The previous answers are correct. Your husband won't receive additional spousal benefits because his own retirement benefit ($1,900) exceeds 50% of your Primary Insurance Amount ($1,400). Important point: If your husband were to file before his FRA, both his own benefit AND any potential spousal benefit would be permanently reduced. Since he's waiting until FRA as you mentioned, this isn't an issue in your case. Also worth noting - if either of you have previous marriages that lasted 10+ years, or if either of you were widowed from previous spouses, there might be other benefit options worth exploring.
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CosmosCaptain
•This is why I always recommend people try to speak directly with SSA about their specific situation. The rules around spousal benefits, particularly with the changes from the 2015 Bipartisan Budget Act, can be very confusing. I was trying to sort out a similar situation and spent DAYS trying to get someone on the phone. After getting disconnected multiple times, I found a service called Claimyr (claimyr.com) that got me connected to a real SSA agent in under 20 minutes. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU. Saved me so much frustration and I got my specific questions answered directly.
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Freya Johansen
Everyone talking about the 50% rule but nobody mentioned that if your husband becomes a widower later on (sorry to bring that up), he could switch to survivor benefits and get 100% of your benefit amount instead of his smaller benefit. Just something to be aware of for long-term planning.
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Omar Fawzi
•thats actually really helpful to know. my wifes benefit is WAY higher than mine + i always worry about what would happen if she passes first. good to know id get her full amount not just my smaller checks.
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Javier Garcia
Thank you all for the helpful responses! I now understand that my husband won't get any additional amount since his benefit is already more than half of mine. I appreciate the clarification about survivor benefits too - that's something we hadn't considered in our planning. I'm going to talk with him about whether it might make sense for him to delay claiming even past his FRA since his benefit would continue to grow. Does anyone know if the spousal benefit calculations change if he waits until 70?
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Ravi Choudhury
•Great question about delaying beyond FRA! The spousal benefit calculation doesn't change - it's still maxed at 50% of your PIA. Since his own benefit already exceeds the spousal maximum, delaying to 70 would only increase his own retirement benefit (by 8% per year from FRA to 70). Given that his own benefit is already higher than what he'd get as a spouse, delaying to age 70 could be advantageous if he's in good health and expects longevity. His retirement benefit would increase by about 32% if he waits from FRA to 70, potentially reaching around $2,500/month instead of $1,900.
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Omar Fawzi
my sister in law was in this same boat. her husbands check was like $700 less than hers and he didnt get any extra. but then when she needed to go on medicare it took a bigger chunk out of her check cause she was in a higher income bracket. so theres other stuff to think about too with the higher benefit sometimes.
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Emma Taylor
•That's a good point about IRMAA (Income-Related Monthly Adjustment Amount). If your combined income exceeds certain thresholds, you may pay higher Medicare Part B and D premiums. For 2025, the first threshold is $103,000 for married filing jointly. It's definitely something to factor into retirement planning.
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