What Is the Social Security Spousal Rule and How Can You Maximize Benefits?

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The Social Security system is all about protection.

The spousal benefit pays beneficiaries up to 50% of the benefit that their spouse receives.

By using this strategy, couples could receive the best of both worlds.

Unfortunately, that rule changed in 2024, except for those who were born before Jan. 2, 1954.

Technically, the SSA will first pay any retirement benefit youre entitled to based on your personal work record.

Although you’re able to file as early as age 62, your benefit will be permanently reduced.

This will permanently reduce your benefit by about 30% vs. filing at your full retirement age.

But for others, some additional planning may be in order.

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