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Do you qualify for an increase in your Social Security benefits? This is the criteria you must follow – La Grada EN

By 2024, approximately 68 million Americans will Social Security Checkand in modern times, they are essential, often bridging the gap between economic security and insecurity. Gallup According to a poll, about 90% of retirees are currently social security To some extent, they do, with around 60% considering it their primary source of income.

Severance pay may be the most common form social securityBut there are many other ways to receive government benefits. Spouse benefitsis one of the most commonly used benefits. Spousal benefits are not well known, so there’s a lot you don’t know about them, including who you qualify for and how much you can receive. So what should you know about spousal benefits?

  1. Your own Social Security benefits may affect your eligibility

How to Qualify Spousal benefits, The main requirement is that you are married to a person who is eligible to receive benefits. Retirement or disability benefitsThis means that even if you are not working or have not worked enough to qualify, Severance pay Based on your own work history, Social Security Benefits As a spouse.

However, if you qualify Severance pay Your work history may affect the amount you receive and your eligibility. Spouse benefits Total. Max. Spouse benefits You can receive 50% of your spouse’s share Full benefit amount their Full Retirement Age (FRA)Your own retirement benefits are yours France If you exceed this amount, you will no longer be eligible. Spouse benefits If it is lower, you will receive the higher of the two amounts.

How to receive Full spousal benefit,Your own France Write to a file. Social Security Benefits Early filing, as early as age 62, permanently reduces your benefits. To receive benefits, your spouse must also have been receiving benefits before you or at the same time as you. Spouse benefits Awaiting the past Full retirement age There will be no increase in payments.

  1. If you continue to work after retirement, your benefits may be reduced.

62 years old or older and still France, If you continue to work while claiming benefits, the amount you receive each month may decrease. Social security benefits, This decrease is Retirement Income Testimposes income limits that determine how much of your benefits can be withheld based on your income from work. These limits change annually and may vary depending on your France in this year.

For example, if you are 65 years old France If you’re over 67 and earn $25,000 a year from work, you’re subject to a $22,320 annual cap. Because your income exceeds this cap by $2,680, your benefit is reduced by $1,340 a year, which equates to about $112 a month.

As already mentioned, this retirement income test is a standard Severance pay, Since Spouse benefits In general, the impact of these reductions could be greater. France, of Social Security Administration Your benefits will be recalculated to take into account any amounts previously deducted due to your earnings, and no penalty will be assessed if you continue working.

  1. Divorce benefits are also an option for some retirees

If you are not currently married, that doesn’t mean you aren’t eligible. Spouse benefitsIn some cases, divorced people may also be eligible to receive these benefits, but they must meet certain conditions.

– You are not currently married. If your former spouse has remarried, this does not affect your eligibility. Divorce benefits.

– You and your ex-spouse must have been married for at least 10 years.

– You must be at least 62 years old, unless you are caring for a child under 16 or with a disability.

– Unless you have been divorced for at least two continuous years, you must wait to file until your ex-spouse begins claiming benefits.

Same as Spouse benefitsThe maximum payment amount will be 50% of the previous month’s payment. Full benefit amount for spouse, If you apply, France And you Severance pay Exceed Maximum divorce benefits, You are not eligible for this type of payment.

The important thing is, Divorce benefits or Spouse benefits your Spousal or former spousal benefitsEven if your ex-spouse remarries, your current partner Spouse benefits While receiving Divorce benefits.