/, Enter the effective month and year for which you would like to begin receiving benefits: Your spouse doesn’t need to have a work history with Social Security at all in order to qualify for benefits on your record as long as they are at least 62 years of age, and are receiving or eligible for retirement or disability benefits. of $600. So if you're the former spouse whose ex could get more based on your earnings, don't worry -- … The Social Security Administration offers disability and supplemental security income benefits to workers who have become disabled or display a significant financial need. A surviving spouse can collect 100 percent of the late spouse’s benefit if the survivor has reached full retirement age, but the amount will be lower if the deceased spouse claimed benefits before he or she reached full retirement age. Program Operations Manual System (POMS) Effective Dates: 08/21/2014 - Present Previous | Next. As is the case with regular Social Security benefits, you can file as early as age 62, but in doing so, you'll reduce your spousal benefits on a lifelong basis. Find your full retirement age and learn how your monthly benefits may be reduced if you retire before your full retirement age. Social Security bases benefits on work history and calculates survivor benefits on the work history of the deceased and the relationship of the survivor to the deceased. Jane’s husband Bob files for a benefit as Jane’s spouse. Compare retirement benefit estimates based on your selected date or age to begin receiving benefits with retirement estimates for ages 62, Full Retirement Age (FRA), and 70. A Social Security online calculator shows you the percentage of your spouse's benefits you will get, based on your age when you apply. En español | When a Social Security beneficiary dies, his or her surviving spouse is eligible for survivor benefits. How Your Spouse Earns Social Security Survivors Benefits. Your benefits will likely look something like this: Here’s how: Qualifying For Spousal Benefits. (month/day/year format): Spouse's annual Social Security benefit The earliest you can begin receiving benefits is at age 62. Working individuals pay into these funds throughout their careers. We have a variety of calculators to help you plan for the future or to assist you with your needs now. before "normal (or full) retirement age," Eligibility requirements and benefit information. If a worker becomes disabled at or before retirement age, monetary benefits are available to them. Learn how your earnings may affect your benefit payments if you are currently working and are eligible for retirement or survivors benefits this year. and if that benefit is higher than the spousal benefit, then we pay the Thus, in this case, the final spousal benefit is 37.5 percent of the primary retirement benefit. percent for each month before normal retirement age, up to 36 months. The top spousal benefit is 50 percent of your husband's or wife's primary insurance amount (the retirement benefit he or she is entitled to at full retirement age, which is currently 66 and is gradually rising to 67 over the next several years). What does AARP’s Social Security Benefits Calculator do? Benefit Calculators. Remember, in that case, it’s between 32.5% and 50% of the higher-earning spouse’s full retirement age benefit, depending on your filing age. You will also receive the full amount if you are caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled. He must be entitled to Social Security retirement or disability benefits. The SSA offers a handful of different calculators to determine the benefits that different kinds of Social Security recipients would qualify to receive. The AIME calculation works like this (an example is shown in a table below): 1. benefit based on the worker's earnings. Otherwise we pay the spousal benefit. So benefit estimates made by the Quick Calculator are rough. Retirement Estimator. Windfall Elimination Provision (WEP) Calculator. Specifically, if you file as early as possible (age 60), then your benefit as a survivor will be 71.5% of what it would have been if you waited until your survivor FRA. With my Social Security, you can verify your earnings, get your Social Security Statement, and much more – all from the comfort of your home or office. the worker's primary insurance amount. IMAGE SOURCE: GETTY IMAGES. Using your AIME, the SSA will calculate your Primary Insurance Amount (PIA). For example, if the worker's primary insurance amount is $1,600 To get an estimate of your monthly SSDI payment, simply enter the year you were born and your average annual income. For purposes of this calculation, assume this figure is $1,000 and full retirement age is 66. benefit. Determine the amount of Social Security retirement benefits at full retirement age for the spouse whose work history is used. Social Security Disability Benefits Calculator. However, if your spouse is already collecting Social Security (and if you were born on or after Jan. 2, 1954), then when you claim benefits, you are subject to “deemed filing”. The spouse benefit amount will be permanently reduced by a percentage based on the number of months until his or her full retirement age. depending on the spouse's age at retirement. However, if a spouse is caring The calculator best suited to disability applicants is the Quick Calculator (found here), which provides a ballpark estimate of your benefits by retirement age given your current earnings. Social Security Search Menu Languages Sign in / up. like to begin receiving benefits, we will tell you the effect of early retirement HOW. Social Security uses full retirement age for benefits, and all calculations are a percentage of full retirement age. & Other Important Information. we mean a child who is under age 16 or who receives Social Security disability benefits. If your spouse is not yet receiving retirement benefits, you can claim your own Social Security starting at 62, and later switch to spousal benefits when your spouse files. Social Security Benefits Accounting for Inflation: 1st year of benefits through age 95 . Compute the effect on your benefit amount if you file for early or delayed retirement benefits. Claiming Social Security based on a former spouse's record has zero impact on their benefits. Try the SSDI Calculator. on your spousal benefit as a percentage of the worker's primary insurance amount. TN 24 (09-02) RS 00615.020 Dual Entitlement Overview A. Effect of the retirement choice on your benefit: A spouse can choose to retire as early as age 62, but A Social Security statement mailed each year provides the estimates for this figure. Our tool also helps you see what percentage of daily expenses your payments can cover, and how you can increase your benefits by waiting to collect. normal retirement age, we first take 50 percent of $1,600 to get an $800 base spousal Under certain circumstances, Social Security disability benefits are available to spouses and other family members as well. However, your divorce must have been finalized at least two years ago. By a qualifying child, we mean a child who is under age 16 or who receives Social Security disability benefits. Age 62 or older, unless he or she collects a higher Social Security benefit based on his or her earnings record. Again, Social Security will pay the greater of the two benefit amounts. Estimate monthly benefits based on your Social Security earnings record. The spousal benefit calculation is straightforward if you don’t have a benefit of your own. How & When You’ll Get Paid . Estimate monthly benefits based on your Social Security earnings record. Compute the effect on your wife's or husband's benefits if you file for early retirement. If the number of months exceeds 36, then the benefit is If You Become a Widow or Widower. A Social Security spousal benefit is calculated as 50% of the other spouse’s PIA. If he qualifies for those benefits even if he has not begun taking them, Social Security will allow you as the ex-wife to go ahead and take your ex-spouse benefits — providing that you've been divorced for at least two years. / "primary insurance amount," You get more or less social security depending on what age you choose to begin receiving benefits. If your spouse dies, you can collect a survivor’s benefit as early as age 60. Must be downloaded and installed on your computer. in . Your spouse may be eligible to receive Social Security benefits on your record. the spouse will receive a reduced benefit. Bob’s spousal benefit … (Please note that benefits are generally paid in the ... A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months. and the worker's spouse chooses to begin receiving benefits 36 months before his or her Estimate your retirement, disability, and survivors benefits. A spousal benefit is reduced 25/36 of one However, it can seem a little more complicated if you have Social Security benefits from your work history. The best way to start planning for your future is by creating a my Social Security account online. Your ex-spouse must have worked enough to be eligible for Social Security, and they must be at least 62, which is the earliest age someone becomes eligible for Social Security benefits. 2. who do not have a qualifying child in their care, If you enter your date of birth and the effective month for which you would Policy 1. But even more confusing is how the benefit is … When your spouse has earned $5,640, they have earned their four credits for the year. The estimate includes WEP reduction. Compare retirement benefit estimates based on your selected date or age to begin receiving benefits with retirement estimates for ages 62, Full Retirement Age (FRA), and 70. When a worker files for retirement benefits, the worker's spouse may be eligible for a The other way is to answer a series of questions to prove your identity. Social Security spousal benefits are partial retirement or disability benefits granted to the spouses of qualifying taxpayers. At any age if he … It is not necessary for your ex to have applied to receive Social Security. (You must be at least age 62 to begin receiving benefits.). Social Security Disability Insurance (SSDI) Your SSDI benefits are based on the amount of income on which you have paid social security taxes. The spousal benefit can be as much as half of the worker's If the spouse begins receiving benefits If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month. Since Social Security widow benefits pay up to 100% of the deceased’s benefits, you can calculate the amount using the same formula. Example: Jane files for her retirement benefit at age 63 and is therefore receiving a retirement benefit that is smaller than her PIA. Then we compute the reduction factor, which is 36 times 25/36 of one percent, or The math can be complicated, but Social Security provides a tool to help you calculate your spousal benefit. 25 percent. further reduced 5/12 of one percent per month. / Estimate of how long you (or your spouse) may live. For security, the "Quick Calculator" does not access your earnings record; instead, it will estimate your earnings based on information you provide. From there, your survivor benefit increases proportionately until you reach your survivor FRA. Before that, it’s reduced by 71.5%-99%, depending on how much over 60 you are. my Social Security Retirement Calculator. 7. The simplest way to do that is by creating or logging in to your my Social Security account. for a qualifying child, the spousal benefit is not reduced. The calculator provides an estimate of your Social Security benefits, based on your earnings history and age. If a spouse is eligible for a retirement benefit based on his or her own earnings, Benefit estimates depend on your date of birth and on your earnings history. You’re eligible for the maximum benefit—the full amount of the deceased’s benefit—if you’ve reached FRA. This earnings history is used to calculate your Average Indexed Monthly Earnings (AIME) and the calculation includes the highest 35 years of earnings history that you have. Frequently Asked Questions. be at least age 62 or have a qualifying child in her/his care. Your average earnings are called your Average Indexed Monthly Earnings (AIME). The U.S. Social Security website provides calculators for various purposes.While they are all useful, there currently isn't a way to help determine the ideal (financially speaking) age at which a person between the ages of 62-70 should apply for their Social Security retirement benefits. For example, let’s say that your spouse had an average salary of $50,000 per year during their working life. By a qualifying child, Estimate if you are eligible for a pension based on work that was not covered by Social Security. Applying a 25 percent reduction to the $800 amount gives a spousal benefit Your spouse can receive Social Security disabili… Your Social Security benefit calculation starts by looking at how long you worked and how much you made each year. Social Security Calculator. Social Security spousal benefits are probably the most confusing benefit because they are considered a family benefit. The estimate does not include WEP reduction. These tools can be accurate but require access to your official earnings record in our database. General A person may be entitled to more than one benefit at the same time. Child's benefits payable on the record of a living parent are normally payable at a rate of 50% of the parent's primary insurance amount (PIA). ), Enter your date of birth Estimate of spouse benefits for yourself if you receive a pension from a government job in which you did not pay Social Security taxes. Another requirement is that the spouse must Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit to which he or she is entitled at full retirement age, or FRA). My Benefit Amount Spouse Benefit Amount . insurance amount. Compute the effect of early retirement for spouses, Website Policies You can also input expected future income for inclusion in the estimate. Your benefit may be offset by the Government Pension Offset (GPO). Spousal Benefits. Get the most precise estimate of your retirement, disability, and survivors benefits. For example, a person may be entitled as a retired worker on his/her own record and as a spouse on … The AARP Social Security Benefits Calculator allows you to input income for both you and a spouse at the same time. For a spouse who is not entitled to benefits on his or her own earnings record, this reduction factor is applied to the base spousal benefit, which is 50 percent of This website is produced and published at U.S. taxpayer expense. You can also input expected future income for inclusion in the estimate. Workers born between 1943 and 1954 reach full retirement age at 66. You will reach normal retirement age Workers who have a long-term disability and have earned sufficient Social Security credits are often entitled to a monthly Social Security disability (SSDI) benefits, and sometimes their spouses are entitled to collect a monthly spouse’s benefit as well. In 2020, for example, your spouse can earn one credit for each $1,410 of wages or self-employment income. A worker can earn up to four credits each year. Compute the effect of early retirement for spouses doing so may result in a benefit as little as 32.5 percent of the worker's month following the effective month. Note that the age at which the other spouse files for Social Security benefits doesn’t affect this calculation. primary insurance amount. Estimate of your benefits in today's dollars or future dollars when you input your date of birth and this year's earnings. Security Administration offers disability and supplemental Security income benefits to workers who have disabled... Spouses of qualifying taxpayers spouses and other family members as well you did not pay Social benefits... Been finalized at least two years ago that the age at which the other spouse for... Years ago complicated, but Social Security benefits Calculator do this year 's earnings RS 00615.020 Dual Overview! Pension offset ( GPO ) Insurance amount ( PIA ) which you did not pay Security! 36 times 25/36 of one percent per month s how: qualifying for spousal benefits are partial retirement or benefits! Have earned their four credits for the maximum benefit—the full amount of the two benefit amounts help! In her/his care Previous | Next Indexed monthly earnings ( AIME ) other Important Information another requirement is the... They have earned their four credits for the future or to assist you with your needs now Search... Of $ 600 certain circumstances, Social Security benefits Calculator allows you to input for. Granted to the $ 800 amount gives a spousal benefit is 37.5 percent the... ) retirement age likely look something like this ( an example is shown in a table ). Yourself if you have Social Security earnings record in our database calculations are a percentage based on his or earnings... S spouse you input your date of birth and this year or have a benefit as Jane ’ s Bob! Previous | Next benefits on your earnings may affect your benefit amount if you are eligible for the or... ( AIME ) re eligible for the maximum benefit—the full amount of deceased. Months exceeds 36, then the benefit is reduced 25/36 of one percent for $! Or older, unless he or she collects a higher Social Security account is. They are considered a family benefit the SSA will calculate your spousal benefit is 25/36... Times 25/36 of one percent, or 25 percent reduction to the $ 800 amount gives spousal! Each month before normal retirement age, up to 36 months example is shown a. In / up necessary for your ex to have applied to receive Social Security spousal benefits are generally in... By creating a my Social Security disability benefits granted to the spouses of qualifying taxpayers spouse ) may live percent... Can seem a little more complicated if you receive a pension based on his or her record... Working life ’ t affect this calculation, assume this figure is $ 1,000 and full retirement age survivors. ( Please note that the spouse begins receiving benefits before `` normal or. May live input expected future income for inclusion in the estimate or to assist you with your needs.... 1,000 and full retirement age, monetary benefits are generally paid in the estimate at the... Credits each year provides the estimates for this figure how much over 60 you are for. ( 09-02 ) RS 00615.020 Dual Entitlement Overview a amount if you retire before your full age!... a spousal benefit is calculated as 50 % of the two benefit amounts in 2020, for,... Other Important Information to Social Security earnings record into these funds throughout their careers a... Birth and on your date of birth and this year be accurate but require access to your official record! Can earn one credit for each month before normal retirement age and learn how your earnings history age! Reduction factor, which is 36 times 25/36 of one percent per month her/his care ( GPO.! Aime, the final spousal benefit is further reduced 5/12 of one percent per month, which is times. Reduced 25/36 of one percent per month s reduced by a qualifying child, we a... S benefit—if you ’ re eligible for the future or to assist you with your now... Four credits each year provides the estimates for this figure is $ 1,000 full. Pay Social Security will pay the greater of the deceased ’ s reduced by %! Age 16 or who receives Social Security recipients would qualify to receive Security benefit based on your may! If a spouse at the same time you choose to begin receiving benefits before normal. Both you and a spouse is caring for a qualifying child, we mean a child who under... $ 600 work history depend on your record a worker can earn credit... Overview a pension from a government job in which you did not pay Social Security will pay greater. Are generally paid in the estimate offset by the government pension offset ( GPO ) eligible for the.. Becomes disabled at or before retirement age, '' the spouse must at. However, your divorce must have been finalized at least two years.. Series of questions to prove your identity say that your spouse dies, can!, and all calculations are a percentage of full retirement age, up to 36 months other family as... Are eligible for a benefit of $ 50,000 per year during their working life benefits your! At age 62 or have a variety of calculators to determine the that... Made by the government pension offset ( GPO ) more than one benefit at age 63 and is receiving... Future income for both you and a spouse at the same time 5,640, have. Benefits in today 's dollars or future dollars when you input your date of and... Is shown in a table below ): 1, the spousal benefit of $ 600 below... If your spouse may be eligible to receive tool to help you plan for the maximum benefit—the full of. Require access to your official earnings record certain circumstances, Social Security earnings record history and age you also. Child, the final spousal benefit is further reduced 5/12 of one percent or. Least age 62 or older, unless he or she collects a higher Security... Require access to your my Social Security benefit based on your Social Security recipients qualify... Is 36 times 25/36 of one percent per month between 1943 and 1954 full. Receiving a retirement benefit that is smaller than her PIA future income for you... Income benefits to workers who have become disabled or display a significant financial need benefit. To begin receiving benefits of calculators to determine the benefits that different kinds of Social Security spousal benefit is reduced... Benefits social security disability spousal benefits calculator you retire before your full retirement age at which the spouse... Less Social Security benefits doesn ’ t affect this calculation before normal retirement age benefits... You get more or less Social Security earnings record in our database 37.5 of. Assume this figure which you did not pay Social Security recipients would qualify receive... 37.5 percent of the two benefit amounts necessary for your future is by creating or logging in to your Social... Gives a spousal benefit is further reduced 5/12 of one percent, or 25.. Poms ) Effective Dates: 08/21/2014 - Present Previous | Next ve reached.... / up disabili… Again, Social Security spouse may be offset by the government pension offset ( GPO ) complicated... The final spousal benefit is not necessary for your ex to have applied to receive calculators to determine benefits! Benefits to workers who have become disabled or display a significant financial need benefit may be to... Languages Sign in / up AIME calculation works like this: what AARP. Calculated as 50 % of the deceased ’ s benefit as early as age 60 is. A social security disability spousal benefits calculator of full retirement age ): 1 earliest you can begin receiving benefits before `` (. Not pay Social Security disabili… Again, Social Security disabili… Again, Social Security disabili…,. Worker becomes social security disability spousal benefits calculator at or before retirement age with your needs now input... For a benefit of $ 50,000 per year during their working life RS 00615.020 Dual Entitlement Overview a 's husband..., it can seem a little more complicated if you file for early retirement for spouses website... Generally paid in the month following the Effective month the Social Security provides a tool to help you calculate Primary. To answer a series of questions to prove your identity for the.... Or she collects a higher Social Security disabili… Again, Social Security benefits Calculator do SSA calculate... By creating a my Social Security benefit the earliest you can also input expected future for... Ssa offers a handful of different calculators to help you plan for the year partial retirement or disability are... Produced and published at U.S. taxpayer expense 's benefits if you are currently working and are eligible the... The government pension offset ( GPO ) Security uses full retirement age, monetary benefits generally... Is that the age at which the other spouse files for retirement or disability benefits granted to the spouses qualifying. Her PIA general a person may be eligible to receive Social Security depending on how over! Age, '' the spouse begins receiving benefits is at age 63 and is therefore receiving a retirement that! One benefit at the same time and this year the spousal benefit government pension offset GPO... Worker becomes disabled at or before retirement age, '' the spouse benefit amount will permanently. $ 50,000 per year during their working life official earnings record ’ t affect this.... Yourself if you file for early retirement for spouses, website Policies & other Important Information and... Program Operations Manual System ( POMS ) Effective Dates: 08/21/2014 - Present Previous Next... Security Administration offers disability and supplemental Security income benefits to workers who have become disabled display. Of qualifying taxpayers an estimate of your monthly SSDI payment, simply enter year! Covered by Social Security disabili… Again, Social Security spousal benefits retirement, disability, and survivors.!