Social Security Spousal Benefits 2026: Social Security spousal benefits help couples get financial support in retirement. Even if one spouse has little or no work history, they can receive a portion of the other spouse’s benefits.
In 2026, there are updates that affect who qualifies, how much you can receive, and the best way to maximize your payments. Understanding these changes can make a big difference in retirement planning.
What Are Spousal Benefits
Spousal benefits are based on the earnings record of your spouse. If you qualify, you can receive up to 50 percent of your full retirement benefit once you reach full retirement age.
These benefits ensure that couples share retirement income fairly, especially when one partner stayed home or worked fewer years.
Who Qualifies for Spousal Benefits
To qualify for spousal benefits, you must meet a few basic requirements. You need to be at least 62 years old and married for at least one continuous year.
Your spouse must have already filed for their own Social Security retirement benefits. Divorced spouses may also qualify if the marriage lasted at least ten years and other eligibility rules are met.
How Spousal Benefits Are Calculated
The benefit amount is based on your spouse’s primary insurance amount, which is what they would receive at full retirement age. A spouse can receive up to 50 percent of this amount if claimed at full retirement age.
If your own Social Security benefit is higher than the spousal amount, you will receive your own benefit instead. Social Security always pays the higher amount, not both combined.
Full Retirement Age and Timing
Full retirement age affects the amount of spousal benefits you can receive. For most people born in 1960 or later, full retirement age is 67.
Claiming benefits before full retirement age permanently reduces the amount you receive. Waiting until full retirement age allows you to get the maximum spousal benefit.
Working While Receiving Benefits
If you work while collecting benefits before full retirement age, there is an earnings limit. In 2026, this limit has increased, allowing retirees to earn more without reducing their benefits.
Once you reach full retirement age, there is no limit on earnings, and your Social Security payments will not be reduced because of work.
How to Claim the Maximum Spousal Benefit
To maximize spousal benefits, consider the timing of when you and your spouse claim Social Security. Waiting until full retirement age gives you the highest possible spousal payment.
If your own benefits are smaller than your spousal benefits, you can claim the spousal amount instead. Coordinating with your spouse can help maximize the total household income.
Payment Schedule
Spousal benefits are paid on the same schedule as regular Social Security benefits, based on your birth date. Most recipients will see the cost-of-living adjustment applied automatically in 2026.
It’s a good idea to review your yearly Social Security notice to verify your payment amount and plan for retirement expenses.
Tips for Couples
Planning together is key. Discuss your retirement ages, earnings, and Social Security strategies with your spouse.
Know the rules for early claiming, earnings limits, and full retirement age. Staying informed helps you make the most of spousal benefits and avoid unnecessary reductions.
Final Thoughts
Social Security spousal benefits in 2026 continue to provide support for married and formerly married retirees. The cost-of-living increase and updated earnings limits affect payment amounts and eligibility.
By planning carefully, timing claims wisely, and understanding the rules, couples can maximize their spousal benefits and secure a more stable retirement income.