Social Security spousal benefits provide financial support to husbands and wives based on their partner’s work record. In 2026, updated thresholds and benefit calculations are drawing attention from couples planning retirement. Understanding how these benefits work can help spouses maximize monthly income and avoid common claiming mistakes.
Who Qualifies for Spousal Benefits
A spouse may qualify if their partner has earned enough Social Security credits and has filed for benefits. Generally, the spouse must be at least 62 years old, though waiting until full retirement age can increase the benefit amount. Divorced spouses may also qualify if the marriage lasted at least ten years.
How Much a Spouse Can Receive
Spousal benefits can be up to 50 percent of the worker’s full retirement age benefit amount. Claiming before full retirement age reduces the monthly payment permanently. If a spouse qualifies for their own benefit and a spousal benefit, SSA pays the higher of the two, not both combined.
Spousal Benefit Overview – 2026
| Criteria | Requirement | Benefit Rule | Notes |
|---|---|---|---|
| Minimum Age | 62 years | Reduced benefit if early | Higher at FRA |
| Full Retirement Age | Based on birth year | Up to 50% of spouse benefit | No increase after FRA |
| Divorced Spouse | 10-year marriage | Same spousal rules | Must be unmarried |
| Own Work Record | Compared by SSA | Higher benefit paid | Not combined |
This table highlights the key eligibility rules and payment structure for Social Security spousal benefits in 2026.
How to Claim Spousal Benefits
Spouses can apply online, by phone, or at a Social Security office. Proper documentation such as marriage certificates and identification is required. Timing the claim carefully ensures the highest possible monthly benefit.
Conclusion
Spousal Social Security benefits in 2026 remain a valuable source of retirement income for couples. Knowing the eligibility rules, benefit calculations, and application steps can help spouses claim confidently and maximize their financial security.
Disclaimer: This article is for informational purposes only. Social Security spousal benefit rules, amounts, and eligibility are governed by official SSA regulations. Individuals should confirm details directly with the Social Security Administration.