Social Security Choices

Who Qualifies?

Generally, if you have been married to someone who qualifies for retirement benefits, you can also qualify for spousal benefits. Further, if you have your own retirement benefits, you may still qualify for some spousal benefits. You should recognize, however, that you cannot receive spousal benefits before the principal beneficiary starts receiving benefits. The SSA provides a basic discussion of spousal benefits. Women (and even some men) may also find the SSA publication "What Every Woman Should Know" informative.

You may also be interested in the eligibility criteria for retirement benefits on your own record. Even if your spouse has the larger benefit, your own benefit may be an important part of your Social Security claiming strategy.

Please note that only the Social Security Administration can officially determine the benefits for which you are eligible. Our description of the eligibility criteria are intended solely as a guideline. Before ordering a married persons' report from us, you should ensure that you actually qualify for retirement and/or spousal benefits. The SSA offers a benefit eligibility tool to help determine your eligibility.

If you feel certain that you are eligible for retirement and/or spousal benefits as a married couple, order your custom analysis now!