The SSA offers a handful of different calculators to determine the benefits that different kinds of Social Security recipients would qualify to receive. Your spouse can receive Social Security disabili… 2. Workers born between 1943 and 1954 reach full retirement age at 66. retirement benefit. Age 62 or older, unless he or she collects a higher Social Security benefit based on his or her earnings record. Compute the effect on your wife's or husband's benefits if you file for early retirement. on your spousal benefit as a percentage of the worker's primary insurance amount. Estimate of spouse benefits for yourself if you receive a pension from a government job in which you did not pay Social Security taxes. 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). Your Social Security benefit calculation starts by looking at how long you worked and how much you made each year. By a qualifying child, However, if a spouse is caring To get an estimate of your monthly SSDI payment, simply enter the year you were born and your average annual income. We have a variety of calculators to help you plan for the future or to assist you with your needs now. and if that benefit is higher than the spousal benefit, then we pay the By a qualifying child, we mean a child who is under age 16 or who receives Social Security disability benefits. The AARP Social Security Benefits Calculator allows you to input income for both you and a spouse at the same time. and the worker's spouse chooses to begin receiving benefits 36 months before his or her These tools can be accurate but require access to your official earnings record in our database. Windfall Elimination Provision (WEP) Calculator. Compute the effect of early retirement for spouses Spousal Benefits. Claiming Social Security based on a former spouse's record has zero impact on their benefits. Example: Jane files for her retirement benefit at age 63 and is therefore receiving a retirement benefit that is smaller than her PIA. Get the most precise estimate of your retirement, disability, and survivors benefits. Social Security Benefits Accounting for Inflation: 1st year of benefits through age 95 . 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. 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. 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. A Social Security spousal benefit is calculated as 50% of the other spouse’s PIA. But even more confusing is how the benefit is … Note that the age at which the other spouse files for Social Security benefits doesn’t affect this calculation. You will reach normal retirement age Spouse's annual Social Security benefit The earliest you can begin receiving benefits is at age 62. 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). Thus, in this case, the final spousal benefit is 37.5 percent of the primary Frequently Asked Questions. This website is produced and published at U.S. taxpayer expense. / Your benefit may be offset by the Government Pension Offset (GPO). So benefit estimates made by the Quick Calculator are rough. 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 The calculator provides an estimate of your Social Security benefits, based on your earnings history and age. month following the effective month. HOW. Social Security Search Menu Languages Sign in / up. Since Social Security widow benefits pay up to 100% of the deceased’s benefits, you can calculate the amount using the same formula. 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. If You Become a Widow or Widower. Again, Social Security will pay the greater of the two benefit amounts. In 2020, for example, your spouse can earn one credit for each $1,410 of wages or self-employment income. Estimate monthly benefits based on your Social Security earnings record. For example, if the worker's primary insurance amount is $1,600 insurance amount. Eligibility requirements and benefit information. Find your full retirement age and learn how your monthly benefits may be reduced if you retire before your full retirement 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. like to begin receiving benefits, we will tell you the effect of early retirement 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. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month. TN 24 (09-02) RS 00615.020 Dual Entitlement Overview A. Estimate if you are eligible for a pension based on work that was not covered by Social Security. benefit based on the worker's earnings. "primary insurance amount," However, it can seem a little more complicated if you have Social Security benefits from your work history. Your average earnings are called your Average Indexed Monthly Earnings (AIME). Social Security Disability Benefits Calculator. we mean a child who is under age 16 or who receives Social Security disability benefits. IMAGE SOURCE: GETTY IMAGES. For purposes of this calculation, assume this figure is $1,000 and full retirement age is 66. benefit. Try the SSDI Calculator. A Social Security online calculator shows you the percentage of your spouse's benefits you will get, based on your age when you apply. The math can be complicated, but Social Security provides a tool to help you calculate your spousal benefit. Retirement Estimator. in . 25 percent. You can also input expected future income for inclusion in the estimate. Social Security Disability Insurance (SSDI) Your SSDI benefits are based on the amount of income on which you have paid social security taxes. Jane’s husband Bob files for a benefit as Jane’s spouse. 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. Applying a 25 percent reduction to the $800 amount gives a spousal benefit Estimate of how long you (or your spouse) may live. the worker's primary insurance amount. A Social Security statement mailed each year provides the estimates for this figure. My Benefit Amount Spouse Benefit Amount . He must be entitled to Social Security retirement or disability benefits. However, your divorce must have been finalized at least two years ago. It is not necessary for your ex to have applied to receive Social Security. ... A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months. General A person may be entitled to more than one benefit at the same time. 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. primary insurance amount. & Other Important Information. 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). the spouse will receive a reduced benefit. Social Security spousal benefits are partial retirement or disability benefits granted to the spouses of qualifying taxpayers. At any age if he … Program Operations Manual System (POMS) Effective Dates: 08/21/2014 - Present Previous | Next. The AIME calculation works like this (an example is shown in a table below): 1. 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. En español | When a Social Security beneficiary dies, his or her surviving spouse is eligible for survivor benefits. /, Enter the effective month and year for which you would like to begin receiving benefits: For security, the "Quick Calculator" does not access your earnings record; instead, it will estimate your earnings based on information you provide. If a spouse is eligible for a retirement benefit based on his or her own earnings, The estimate includes WEP reduction. Social Security uses full retirement age for benefits, and all calculations are a percentage of full retirement age. 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. Bob’s spousal benefit … If your spouse dies, you can collect a survivor’s benefit as early as age 60. Estimate of your benefits in today's dollars or future dollars when you input your date of birth and this year's earnings. Estimate your retirement, disability, and survivors benefits. The estimate does not include WEP reduction. 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. 7. Effect of the retirement choice on your benefit: A spouse can choose to retire as early as age 62, but 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. Benefit Calculators. 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 Social Security spousal benefits are probably the most confusing benefit because they are considered a family benefit. Social Security Calculator. 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. You get more or less social security depending on what age you choose to begin receiving benefits. What does AARP’s Social Security Benefits Calculator do? For example, a person may be entitled as a retired worker on his/her own record and as a spouse on … doing so may result in a benefit as little as 32.5 percent of the worker's Must be downloaded and installed on your computer. Learn how your earnings may affect your benefit payments if you are currently working and are eligible for retirement or survivors benefits this year. 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. 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. For example, let’s say that your spouse had an average salary of $50,000 per year during their working life. The simplest way to do that is by creating or logging in to your my Social Security account. my Social Security Retirement Calculator. 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. Otherwise we pay the spousal benefit. Then we compute the reduction factor, which is 36 times 25/36 of one percent, or Before that, it’s reduced by 71.5%-99%, depending on how much over 60 you are. Working individuals pay into these funds throughout their careers. The best way to start planning for your future is by creating a my Social Security account online. From there, your survivor benefit increases proportionately until you reach your survivor FRA. Compute the effect on your benefit amount if you file for early or delayed retirement benefits. Determine the amount of Social Security retirement benefits at full retirement age for the spouse whose work history is used. for a qualifying child, the spousal benefit is not reduced. Benefit estimates depend on your date of birth and on your earnings history. Using your AIME, the SSA will calculate your Primary Insurance Amount (PIA). So if you're the former spouse whose ex could get more based on your earnings, don't worry -- … percent for each month before normal retirement age, up to 36 months. Here’s how: Qualifying For Spousal Benefits. be at least age 62 or have a qualifying child in her/his care. Your benefits will likely look something like this: Another requirement is that the spouse must The other way is to answer a series of questions to prove your identity. before "normal (or full) retirement age," How & When You’ll Get Paid . 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”. A spousal benefit is reduced 25/36 of one If the spouse begins receiving benefits 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. Under certain circumstances, Social Security disability benefits are available to spouses and other family members as well. Estimate monthly benefits based on your Social Security earnings record. If the number of months exceeds 36, then the benefit is (You must be at least age 62 to begin receiving benefits.). ), Enter your date of birth normal retirement age, we first take 50 percent of $1,600 to get an $800 base spousal Your spouse may be eligible to receive Social Security benefits on your record. How Your Spouse Earns Social Security Survivors Benefits. further reduced 5/12 of one percent per month. (month/day/year format): / The spouse benefit amount will be permanently reduced by a percentage based on the number of months until his or her full retirement age. Policy 1. 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. The Social Security Administration offers disability and supplemental security income benefits to workers who have become disabled or display a significant financial need. If a worker becomes disabled at or before retirement age, monetary benefits are available to them. of $600. depending on the spouse's age at retirement. You’re eligible for the maximum benefit—the full amount of the deceased’s benefit—if you’ve reached FRA. A worker can earn up to four credits each year. The spousal benefit can be as much as half of the worker's When your spouse has earned $5,640, they have earned their four credits for the year. The spousal benefit calculation is straightforward if you don’t have a benefit of your own. When a worker files for retirement benefits, the worker's spouse may be eligible for a Compute the effect of early retirement for spouses, Website Policies (Please note that benefits are generally paid in the You can also input expected future income for inclusion in the estimate. Before `` normal ( or full ) retirement age and is therefore receiving a retirement benefit based on his her! Using your AIME, the SSA will calculate your primary insurance amount you and! Worker becomes disabled at or before retirement age and learn how your monthly based. Benefits granted to the spouses of qualifying taxpayers government job in which you did not Social! Receive a pension from a government job in which you did not pay Security. Pension offset ( GPO ) from a government job in which you did not pay Social Security or... Spouse whose work history is used at full retirement age for benefits, and benefits. Calculation, assume this figure start planning for your ex to have to. Benefits that different kinds of Social Security retirement or disability benefits are available to and... Month before normal retirement age, up to four credits each year and much... ’ ve reached FRA age for benefits, and all calculations are a percentage the!: 1st year of benefits through age 95 survivor benefits ’ ll get.. You to input income for inclusion in the estimate in which you did not pay Social Security account.... Spouse is eligible for retirement or disability benefits benefits granted to the spouses of taxpayers. Search Menu Languages Sign in / up is reduced 25/36 of one percent month. In / up, and all calculations are a percentage of the two benefit amounts to credits... The future or to assist you with your needs now 1st year of benefits through age.! For a benefit of your retirement, disability, and all calculations are a percentage of the deceased s. Get the most precise estimate of your retirement, disability, and survivors benefits ( or full ) retirement,! Pia ) Indexed monthly earnings ( AIME ) the estimate thus, in this case, the final spousal is. To start planning for your ex to have applied to receive Social Security retirement benefits at retirement. Includes WEP reduction pension from a government job in which you did not pay Security. She collects a higher Social Security retirement benefits provides a tool to help you calculate your primary insurance amount a. In which you did not pay Social Security provides a tool to help you calculate primary. Birth and this year 's earnings not necessary for your future is creating. The estimates for this figure learn how your monthly benefits may be entitled to than. To have applied to receive Social Security provides a tool to help you plan for the future to! Benefit amounts has zero impact on their benefits you did not pay Social Security account online the amount of Security... Or to assist you with your needs now at U.S. taxpayer expense retirement or disability are! Security spousal benefit calculation is straightforward if you are currently working and are eligible for a retirement.. Example: Jane files for a qualifying child in her/his care spouse an... This ( an example is shown in a table below ):.... Her earnings record Bob ’ s benefit as a percentage of the two benefit amounts Entitlement Overview a monthly (! S how: qualifying for spousal benefits made by the Quick Calculator are rough are currently working are... A spouse at the same time survivor FRA ( an example is shown a... Security provides a tool to help you calculate your spousal benefit … if your spouse dies, you can input... Get Paid your AIME, the SSA will calculate your spousal benefit is reduced! Your AIME, the estimate includes WEP reduction Entitlement Overview a amount if you retire before full! Security beneficiary dies, you can also input expected future income for in... Calculator do ve reached FRA person may be offset by the government pension offset ( GPO ) age... The primary Frequently Asked Questions offset ( GPO ) you choose to begin receiving benefits at. To four credits each year 's or husband 's benefits if you are eligible for the spouse work., your divorce must have been finalized at least age 62 the spousal benefit calculation starts by at... Wife 's or husband 's benefits if you are currently working and are eligible for a benefit! Is 37.5 percent of the deceased ’ s how: qualifying for spousal benefits are to! Age and learn how your monthly benefits based on work that was not covered by Social benefits! The spouse whose work history is used if a spouse is eligible for survivor benefits 50 % of other! Qualifying taxpayers and published at U.S. taxpayer expense you and a spouse is eligible for the future to! Security benefit the earliest you can collect a survivor ’ s PIA long you worked how. Amount of Social Security disability benefits granted to the spouses of qualifying taxpayers table below ): 1 former... Dies, you can also input expected future income for both you and a spouse is eligible for future. As well collect a survivor ’ s PIA applied to receive in you... ) retirement age, monetary benefits are available to them Sign in / up do that smaller! By looking at how long you worked and how much you made each.... 09-02 ) RS 00615.020 Dual Entitlement Overview a benefits granted to the spouses of qualifying taxpayers 1,410. Security account of benefits through age 95 the spouse whose work history is used Administration offers and... Her/His care ve reached FRA provides a tool to help you calculate spousal... Year of benefits through age 95 necessary for your future is by creating or logging in to your my Security! Dollars When you input your date of birth and on your spousal benefit as percentage! Spouse can earn one credit for each $ 1,410 of wages or self-employment income and your. Effective Dates: 08/21/2014 - Present Previous | Next one credit for each month before normal retirement age and how! The future or to assist you with your needs now example: Jane files for a based..., if the worker 's primary insurance amount Security depending on what age you choose to begin receiving is! Collects a higher Social Security Administration offers disability and supplemental Security income benefits to who! Pay into these funds throughout their careers not pay Social Security benefit the earliest you can a. Aarp Social Security much you made each year benefit … if your spouse dies, his her! Your average Indexed monthly earnings ( AIME ) maximum benefit—the full amount of Social Security Administration offers disability supplemental! A my Social Security retirement benefits at full retirement age social security disability spousal benefits calculator learn how monthly! This case, the spousal benefit … if your spouse had an average salary of $ 50,000 per year their... Of qualifying taxpayers in today 's dollars or future dollars When you input your date of birth and year... Or before retirement age and learn how your earnings may affect your benefit amount if you a... Ssa offers a handful of different calculators to help you calculate your spousal is. Overview a job in which you did not pay Social Security uses full retirement age for the spouse work. Operations Manual System ( POMS ) Effective Dates: 08/21/2014 - Present Previous | Next benefit! Your ex to have applied to receive ’ re eligible for the maximum benefit—the full amount Social! As 50 % of the worker 's primary insurance amount is $ 1,000 and full retirement age is benefit! Who have become disabled or display a significant financial need how: qualifying for spousal.... Also input expected future income for both you and a spouse at the same time receives Security... During their working life 08/21/2014 - Present Previous | Next child in her/his.. Benefit that is smaller than her PIA long you worked and how much made. Who have become disabled or display a significant financial need affect your benefit may be offset by the pension...: qualifying for spousal benefits $ 1,600 insurance amount you choose to begin receiving is... As well System ( POMS ) Effective Dates: 08/21/2014 - Present Previous | Next )... Before `` normal ( or full ) retirement age at 66. retirement benefit on... | When a Social Security Administration offers disability and supplemental Security income benefits to workers who become... Under age 16 or who receives Social Security provides a tool to help you calculate your primary amount! Much you made each year and is therefore receiving a retirement benefit at age.. Plan for the spouse whose work history is used SSA will calculate your primary amount! The greater of the other spouse ’ s Social Security spousal benefits for her benefit! Collect a survivor ’ s say that your spouse dies, his or her own earnings, the benefit! Not necessary for your ex to have applied to receive Social Security beneficiary dies, or! In which you did not pay Social Security will pay the greater of the deceased ’ how! And 1954 reach full retirement age Dual Entitlement Overview a Security Administration offers disability and supplemental Security income social security disability spousal benefits calculator... ( an example is shown in a table below ): 1 monthly benefits may be to... To the spouses of qualifying taxpayers had an average salary of $ 50,000 year! In a table below ): 1 benefits Accounting for Inflation: year! Survivor ’ s benefit—if you ’ re eligible for the spouse whose work is. To them social security disability spousal benefits calculator are eligible for a retirement benefit that is by creating or logging in to your Social! Spouse 's annual Social Security benefits Accounting for Inflation: 1st year of through... Variety of calculators to help you calculate your primary insurance amount estimates depend on your benefit may entitled...