You qualify for spousal benefits if: Your spouse is already collecting retirement benefits. You have been married for at least a year. You are at least 62 years old (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply). Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your spouse's primary insurance amount — the retirement benefit to which they are entitled at full retirement age, or FRA. Google "spousal social security" for more details.
回复 11楼 周瑜 的帖子 不对。这是规定： A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month. 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 the worker's primary insurance amount. For example, if the worker's primary insurance amount is $1,600 and the worker's spouse chooses to begin receiving benefits 36 months before his or her normal retirement age, we first take 50 percent of $1,600 to get an $800 base spousal benefit. Then we compute the reduction factor, which is 36 times 25/36 of one percent, or 25 percent. Applying a 25 percent reduction to the $800 amount gives a spousal benefit of $600. Thus, in this case, the final spousal benefit is 37.5 percent of the primary insurance amount. https://www.ssa.gov/oact/quickcalc/spouse.html
Current and ex-spouses may be eligible for spousal benefits. Ex-spouses must have been married for at least 10 years and be unmarried at the time of filing. You cannot receive spousal benefits unless your spouse is receiving their retirement benefits (except for ex-spouses). Receiving benefits as a spouse does not impact your spouse’s (or ex-spouse’s) own retirement amount. In general, your benefit as a spouse could be up to 50 percent of your spouse’s full retirement amount. If you begin receiving spousal benefits before your full retirement age, your spousal benefit will be permanently reduced. If you took your reduced retirement first while waiting for your spouse to reach retirement age, when you add spouse’s benefits later, your own retirement portion remains reduced. If you are eligible for a retirement benefit based on your own earnings record, and if that amount is higher than your benefit as a spouse, we will pay the retirement benefit from your own record. Otherwise, we pay your spousal benefit amount. For Example: If you are entitled to $500 per month from your own retirement record, and you are entitled to $1200 as a spouse, your total monthly benefit will equal $1200. 官网的
你说的是401K退休金，而非楼主问的社安金吧。社安金只要楼主和前夫婚姻超过10年未再婚（准确地说就是申请领的时候是单身。可以有四个前夫，领最高社安金一半的那个。婚龄超过10年）申请是是单身就可以领前夫社安金一半，如果前夫67岁退休开始领社安金，楼主可以和前夫现任妻子领一样社安金，互相不影响的。 Multiple marriages and Social Security survivor benefits - Los Angeles Times (latimes.com) Can two wives collect Social Security from one husband? Answer: Both your current spouse and your ex could be entitled to survivor benefits based on your work record. Typically someone must be married nine months to qualify for survivor benefits on a current spouse''''s record. If the spouses divorced, the marriage must have lasted 10 years.Oct 29, 2023 Each survivor benefit can be up to 100% of your benefit. The amount may be reduced if the women start benefits before their own full retirement age, but they don''''t have to share — the amount isn''''t reduced because you''''ve had more than one spouse.Oct 29, 2023 Multiple marriages and Social Security survivor benefits Los Angeles Times https://www.latimes.com › business › story › married-mo...
Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your spouse's primary insurance amount — the retirement benefit to which they are entitled at full retirement age, or FRA.
Google "spousal social security" for more details.
可以，你还可以一到６２岁，就拿对方的５０％，等到最高年限再开始拿自己的～～利益最大化。
这个前提是两口子生前都是67岁才开始拿社保的，如果提前拿了，一个去世后另一个拿不到全额的社保。
可以
假定夫妻同岁，一个从62岁拿，另一个62岁拿配偶的一半，五年后67岁时改拿自己的全部。真的可以这样吗？
这个绝对是误导。开始了就不能switch
楼上说不可以～～
以前可以，这个漏洞几年前被堵上了。现在不行了。
结婚10年就可以，外加只要结婚了10年的前配偶都可以领，不管几个。
可以的。
只有你在67岁开始拿，你才能拿配偶的50%。
如果一个去世，已经开始那社保了，另一个到了FRA就可以拿全部。
到ssa.gov 开个账号，可以看到你可以拿多少，不过，那个数字只是估计，不一定是你最终能拿到的。
多谢 晚上研究一下
不对。这是规定： A spouse can choose to retire as early as age 62, but doing so may result in a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month.
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 the worker's primary insurance amount. For example, if the worker's primary insurance amount is $1,600 and the worker's spouse chooses to begin receiving benefits 36 months before his or her normal retirement age, we first take 50 percent of $1,600 to get an $800 base spousal benefit. Then we compute the reduction factor, which is 36 times 25/36 of one percent, or 25 percent. Applying a 25 percent reduction to the $800 amount gives a spousal benefit of $600. Thus, in this case, the final spousal benefit is 37.5 percent of the primary insurance amount.
https://www.ssa.gov/oact/quickcalc/spouse.html
这个到62岁是要正式退休对吧？还是有别的工作也可以申请开始拿spouse的50%（感觉这应该不能吧）？
在婚姻里，而且你满了62岁，要求是结婚满了一年，可以领50%；结婚满了9个月，配偶去世，遗孀在满了60岁可以拿去世配偶的100%。 前妻需要符合以前的婚姻满10年，才能领前夫的社安金。
当然只能拿一个的， 那个高，就拿那个。
这张图是工作的一方可以拿多少，
1）如果大家都到67岁拿，那么可以拿，3612 + 1806 = 5418
2）如果工作的69岁拿，可以拿$4,021，但是配偶只能拿$1,806，不是$2,011，因为配偶没有延期退休奖励，所以配偶到67岁就应该拿
3）如果失业了，64岁就提前拿，工作的只能拿$2,884，配偶也是一半$1,442，加起来=$4,326
4）其他情况可以不用考虑，因为如果工作的还有工作，配偶是不会提前拿的，因为毫无意义
我也是这么计划的
不是的，有的人收入低交的少，或者才40个点，最后拿回来比交的多，不然也不会出现ss trust 钱不够了
砍了也不好辩，你没交凭啥领啊。以前有余粮算福利，现在没余粮了就砍福利
说得轻松，哪个总统党派敢砍？只有拼命延迟退休年龄
这个前几年就没有了
对退休人士有利的，都叫 loophole
好像刚刚被堵住了
有钱人为啥要多交税给你修桥铺路啊。还不是你能者多劳，帮助穷人吗？
这个，我以前看过一个视频，有个老太太结婚4次，丈夫都死了，然后拿4份前夫的退休金。 视频里老太太笑得很瘆人。 不管视频的真假，政策真的是这样的吗？
只能领高的那一个。
你当老师的时候应该是pension，如果你退出的话，一般可以拿走一部分你自己付的钱，学校match的钱拿不走。你应该去看看规则，别白损失一笔钱。
如果自己也工作呢？还能领到配偶的社保吗
谁的多，领谁的
不能领2份
社安金是只能领一份，拿她四个前夫中挣钱最多的那一份。而且她必须是婚10年外加单身未婚才能领。或者她前夫是军人买了SBP保险指定受益人是她，她就能领她军人遗孀钱，这个保险计划得是她婚内时军人给买的，还有的军官遗孀也能拿她遗孀钱。
你看你工作能领的社安金和你老公的一半哪个高就领哪个
no 你只能选择最高的拿一份
62岁是不能领配偶的50%的，好像只有30%几，领不是看配偶的年纪，而是自己的年纪，自己是67岁才能领配偶的50%，如果62岁开始领，就只能一直领30%几到死了，和领自己的那部分规则一样的早领不能领100%.
同觉得这个超级不合理。自己小家舒舒服服过了，退休了等于还多吃多占，凭啥啊。
双职工家庭比起来拿SSN之前要辛苦的多了。
每个人只能领一份，但是一个人可以拖好几个人
肯定不是啊 想的美，领最高的那个
这个图是social Security网站吗
mark
好像可以的，在一定年内可以把已经拿到的还回去，比如你62岁已经开始拿了，66岁改主意想从66开始，可以把你之前已经拿的还回去，大致是这样，具体条款可以自己去了解下、
而且去世后可以所有符合条件的前配偶们同时领全额
这个漏洞也堵上了，只有一个可以，看协议离婚时前配偶有没有claim这个，如果🈶，后面那个领不到的
如何配偶去世，但是自己也有退休金，也可以领配偶的全额退休金吗？还是只能选择一个
你说的是401K退休金，而非楼主问的社安金吧。社安金只要楼主和前夫婚姻超过10年未再婚（准确地说就是申请领的时候是单身。可以有四个前夫，领最高社安金一半的那个。婚龄超过10年）申请是是单身就可以领前夫社安金一半，如果前夫67岁退休开始领社安金，楼主可以和前夫现任妻子领一样社安金，互相不影响的。 Multiple marriages and Social Security survivor benefits - Los Angeles Times (latimes.com) Can two wives collect Social Security from one husband? Answer: Both your current spouse and your ex could be entitled to survivor benefits based on your work record. Typically someone must be married nine months to qualify for survivor benefits on a current spouse''''s record. If the spouses divorced, the marriage must have lasted 10 years.Oct 29, 2023 Each survivor benefit can be up to 100% of your benefit. The amount may be reduced if the women start benefits before their own full retirement age, but they don''''t have to share — the amount isn''''t reduced because you''''ve had more than one spouse.Oct 29, 2023 Multiple marriages and Social Security survivor benefits Los Angeles Times https://www.latimes.com › business › story › married-mo...
You cannot. You cannot collect based on your spouse’s record if your spouse has not started collecting ss
只能选一个
可以，会计师谈过
恭喜，你可能退休后有全额的ssn， 另外加教室pension。
只能拿一个
未再婚？我记得是只要拿社安金的时候是单身就行。这可以是再婚了但是又离婚了后重回单身
她可以在67岁先领自己社安金，等她老公开始领时，如果她老公一半社安金比她自己的高，可以联系社会安全局换成领她老公一半的钱，如果她老公去世，她可以开始领她老公全额社安金。但她不能够在她老公还没开始领的时候开始领跟她老公有关的福利。
准确地说就是申请领的时候是单身。可以有四个前夫，领最高社安金一半的那个。婚龄超过10年。
Can any CPA confirm it?