When a worker files for retirement benefits, their spouse may be eligible for a benefit based on the worker's earnings, however the spouse must be at least age 62 or have a child (under the age of 16 or one who receives Social Security disability benefits) in his/her care in order to qualify.
The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. However, if a spouse is caring for a qualifying child, the spousal benefit will no be reduced. Finally, if a spouse's own social security benefit exceeds that of the worker, then social security will pay the higher benefit.
If you have questions or need assistance with your social security benefits, call The Law Office of Malyuk McDaniel Kasper LLC at 330.929.9700 to speak with an attorney.