Social Security · Spouses, ex-spouses and survivors

Two work records. One household.Rules most couples never hear.

Married, divorced, widowed or remarried, a husband or wife can often collect on the other’s record. How much, and when, depends on rules that are easy to get wrong and hard to undo. Here they are in plain English, with 2026 figures and twelve worked examples.

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The four ways to collect on a spouse’s record

A living spouse or ex-spouse can receive up to half of the worker’s full benefit. A widow, widower or surviving ex-spouse can receive up to all of what the worker was getting.

Married, both living

From age 62, or any age caring for the worker’s child under 16 or disabled. Married at least 1 year. The worker must have filed.

Up to 50%

Divorced, former spouse living

From age 62. Married at least 10 years, and unmarried now. Generally stops if you remarry.

Up to 50%

Widowed

From age 60 (50 if disabled), or any age caring for the deceased’s child under 16 or disabled. Married at least 9 months, with exceptions. Remarrying at 60 or later has no effect.

Up to 100%

Divorced, former spouse deceased

Same ages and remarriage rules as a widow or widower. Married at least 10 years.

Up to 100%

In every case Social Security pays your own benefit first, then adds enough to reach the higher amount. You never receive both in full.

Start here

Every number starts with one figure

Spousal and survivor benefits are percentages of the worker’s full benefit at full retirement age, which Social Security calls the Primary Insurance Amount.

Term What it means
Full benefit What a worker receives if they start exactly at full retirement age
Full retirement age 66 for births 1943–1954, rising 2 months a year to 67 for births in 1960 or later
Survivor full retirement age The same schedule shifted 2 years: 66 for births through 1956, rising to 67 for births in 1962 or later
Early-claim reduction, spouse 25/36 of 1% a month for the first 36 months early, then 5/12 of 1% a month. At 62 with a full retirement age of 67, a spouse receives 32.5% of the worker’s full benefit
Early-claim reduction, survivor Spread evenly from 100% at survivor full retirement age down to 71.5% at age 60
Delayed retirement credits 8% a year added to a worker’s own benefit for each year past full retirement age, up to 70

The 2026 numbers

2026 figure Amount
Cost-of-living adjustment 2.8%
Earnings limit before full retirement age ($1 withheld per $2 over) $24,480 a year
Earnings limit in the year full retirement age is reached ($1 per $3 over) $65,160
Largest benefit at full retirement age $4,152 a month
Average retired couple, both receiving $3,208 a month
Average aged widow or widower alone $1,919 a month
One-time death payment $255

The examples below assume a full retirement age of 67 and ignore future cost-of-living increases. They are hypothetical illustrations, not estimates of anyone’s benefit.

Jump to your situation

Examples 1–3

Married, both living

Similar records, very different records, or one spouse who never worked.


Examples 4–6

Divorced, both living

The 10-year rule, the 2-year rule, and more than one former spouse.


Examples 7–10

Widowed

The 82.5% floor, switching between benefits, and young widows with children.


Example 11

Divorced, former spouse deceased

The benefit people forget they have.


Example 12

Remarriage

What a new marriage does to each kind of benefit, and why age 60 matters.


10 myths

Common myths

Including the “five years of marriage” rule that doesn’t exist.


Married, both living

A spousal top-up, once the worker files

A spouse can add a top-up only after the worker has filed, and only if half of the worker’s full benefit is larger than the spouse’s own full benefit.

Example 1

Similar work records

Husband’s full benefit $2,400; wife’s $2,200. Half of either is smaller than the other’s own benefit, so there is no spousal top-up. The record that matters is the larger one, because it becomes the survivor’s check.

Both claim at 67 Husband waits to 70
Household while both living $4,600 $5,176
After the first death, the survivor keeps $2,400 $2,976

Example 2

Different work records

Husband’s full benefit $3,000; wife’s $900. Half of his is $1,500, so her top-up is $1,500 minus $900, or $600. Each piece is reduced separately for the age it starts.

Wife’s choice Her own Top-up Total
Both pieces at her full retirement age, 67 $900 $600 $1,500
Both pieces at 62 (husband already filed) $630 $390 $1,020
Own at 62; top-up at 67 when husband files $630 $600 $1,230

The last row is the one people miss: claiming her own benefit early lowers her combined amount for life, even though the top-up itself starts unreduced.

Example 3

One spouse with no work record

Husband’s full benefit $2,800; wife has no record. She can receive up to $1,400 at her full retirement age, or $910 at 62, but not until he files. If he waits to 70 to raise his own check to $3,472, her spousal benefit waits with him and is still capped at $1,400. If he dies first, she receives his full $3,472 as a widow.

That is the trade-off in its clearest form: the worker’s delay costs the spouse spousal checks now and buys a much larger survivor check later.

Divorced, both living

Ten years of marriage keeps the door open

A divorced spouse is paid exactly like a current spouse, up to half of the former spouse’s full benefit, if the marriage lasted 10 years and the claimant is unmarried.

Example 4

The 2-year rule

A woman, 64, was married 12 years, divorced in 2015 and has not remarried. Her full benefit is $1,000; her former husband’s is $3,200, and he plans to wait until 70 to file. Because they have been divorced more than 2 years and he is over 62, she can file now. At her full retirement age she would receive $1,000 plus a $600 top-up, or $1,600. His decision to wait does not hold her up, unlike the current spouse in Example 3.

Example 5

The 10-year line

A man was married 9 years and 10 months when the divorce became final. He has no claim on his former wife’s record, now or after her death. Two more months of marriage would have given him both.

Example 6

One worker, three wives

A retired worker has a current wife and two former wives, each married to him more than 10 years. All three can collect up to half of his full benefit at the same time. His own check does not change, and neither former wife’s benefit reduces what the current wife receives.

Widowed

The larger check survives. Its size was set years earlier.

A widow or widower can receive up to 100% of what the deceased spouse was receiving, including delayed credits, and can start as early as 60 at a reduced rate.

What “the deceased’s benefit” means

The deceased spouse… The survivor’s benefit is based on
Died before full retirement age without filing The full benefit
Died after full retirement age without filing The full benefit plus delayed credits earned up to death
Filed after full retirement age The larger amount being received
Filed before full retirement age The larger of the reduced amount being received or 82.5% of the full benefit

Example 7

The worker’s claiming age sets the survivor’s check

A husband’s full benefit is $3,000.

Husband filed at His check Widow at her full retirement age Widow at 60
62 $2,100 $2,475 (82.5% floor) $2,145
67 $3,000 $3,000 $2,145
70 $3,720 $3,720 About $2,660

The difference between the first and last rows is $1,245 a month for the rest of the widow’s life.

Example 8

Survivor benefit first, own benefit later

A widow’s own full benefit is $2,400; her late husband was receiving $2,000. She takes the survivor benefit at 60, $1,430 a month, and lets her own benefit grow. At 70 she switches to her own benefit of $2,976.

Example 9

Own benefit first, survivor benefit later

A widow’s own full benefit is $1,200; her late husband was receiving $2,600. She takes her own reduced benefit at 62, $840, then switches at 67 to the full survivor benefit of $2,600. Claiming her own benefit early does not reduce the survivor benefit.

Example 10

A young widow with children

A worker dies in 2026 with a full benefit of $2,500, leaving a wife of 38 and two children, 8 and 10. Each of the three is entitled to 75%, or $1,875, a total of $5,625. The family maximum for a $2,500 full benefit is about $4,617, so each receives about $1,539.

The wife’s benefit stops when the younger child turns 16; each child’s stops at 18, or 19 if still in high school. She can claim again as a widow from age 60.

Divorced, former spouse deceased

The benefit people forget they have

A surviving ex-spouse is paid like a widow or widower, up to 100% of the former spouse’s benefit, if the marriage lasted 10 years.

Example 11

A divorce from 2005, a remarriage at 61

A woman, 63, was married 15 years, divorced in 2005, and remarried at 61. Her former husband has just died; his benefit was $2,800. Because she remarried after 60, she qualifies as his surviving divorced spouse. At 63 she would receive about $2,340, roughly 84% of his benefit, or the full $2,800 if she waits until 67. His widow receives her own survivor benefit on his record, unaffected by the former wife’s claim.

Remarriage

Age 60 is the line that matters

Remarriage affects only the person who remarries, and its effect depends on which benefit they hold and their age on the wedding date.

Benefit held when you remarry Remarry before 60 Remarry at 60 or later
Divorced-spouse benefit (former spouse living) Generally stops Generally stops
Survivor benefit (widowed, or former spouse deceased) Not payable while the new marriage lasts Continues
Your own retirement benefit No effect No effect
Rights on the new spouse’s record Spousal after 1 year; survivor after 9 months Spousal after 1 year; survivor after 9 months

For a disabled widow or widower, the age line is 50 instead of 60.

Example 12

A widower remarries at 67

A widower, 67, whose late wife was receiving $1,800, remarries a woman of 66 whose own benefit is $1,500. He keeps his own benefit and his right to his late wife’s survivor benefit, since he remarried after 60. His new wife becomes eligible as his widow after 9 months of marriage and for a spousal top-up after 1 year. If she has a deceased former husband from a 10-year marriage, she keeps that survivor right as well.

Every case

Eight rules that apply to everyone

  1. No stacking. Social Security pays your own benefit first, then a top-up to the highest amount you qualify for. With rights on several records, you receive the single highest.
  2. Deemed filing. For anyone born January 2, 1954 or later, filing for a retirement or spousal benefit counts as filing for both. You cannot take a spousal benefit and let your own grow. Survivor benefits, and spousal benefits based on a child in care, are not covered by this rule.
  3. Suspending stops the family’s checks too. A worker past full retirement age can pause benefits to earn delayed credits until 70, but any benefit paid to a spouse on that record pauses as well. Benefits to a former spouse continue.
  4. The earnings test. Before full retirement age, benefits are withheld when earnings exceed the limits above. A worker’s excess earnings can also reduce benefits paid to a spouse on that record. Withheld months are credited back at full retirement age.
  5. The family maximum. Total benefits on one record are capped at roughly 150% to 188% of the worker’s full benefit. It rarely affects a retired couple; it matters when children also receive benefits. Former spouses are not counted.
  6. Government pensions no longer reduce these benefits. The Social Security Fairness Act, signed January 5, 2025, repealed the Windfall Elimination Provision and the Government Pension Offset for benefits from January 2024. Teachers, police, firefighters and federal workers under CSRS who never applied for a spousal or survivor benefit because of the offset should apply now.
  7. Most changes are not automatic. A spouse already receiving spousal benefits is converted to survivor benefits when SSA records the death. Anyone collecting only their own benefit, and anyone with rights on a former spouse’s record, must apply. A marriage, divorce or death must be reported to SSA.
  8. There are only two do-overs. A retirement application can be withdrawn within 12 months, once in a lifetime, by repaying everything received, including benefits paid to family members. A benefit can be suspended between full retirement age and 70.

Common myths

What people say, and the actual rule

“You have to be married five years.”

There is no five-year rule. It is 9 months for survivor benefits, 1 year for spousal benefits, and 10 years for a former spouse.

“My spouse’s benefit comes out of mine.”

Spousal and survivor benefits are paid in addition to the worker’s own check, never out of it.

“My ex can reduce what my new wife gets.”

A former spouse’s claim has no effect on the worker’s benefit or a current spouse’s benefit.

“My wife should wait until 70 for her spousal benefit.”

The spousal benefit stops growing at the spouse’s full retirement age. Waiting past it adds nothing.

“Remarrying always ends a widow’s benefit.”

Only remarriage before 60 (50 if disabled), and only while that marriage lasts.

“Survivor benefits start automatically.”

Often they require an application, and back payments are limited.

“I can collect my own benefit and my husband’s.”

You receive the higher of the two, not both.

“I’ll file for spousal now and switch to my own at 70.”

That is only possible for people born before January 2, 1954. Widows and widowers can still take one benefit and switch to the other.

“My government pension cuts my widow’s benefit.”

That offset was repealed by the Social Security Fairness Act in January 2025.

“Waiting to 70 only matters to me.”

The higher earner’s claiming age sets the survivor’s check for life.

Two records, modeled side by side

The right claiming order for a couple depends on both records, both ages, any former spouses, and what happens to the household’s income when one of you dies. We map all of it in a complimentary Retirement Analysis, before anyone files.

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Sources

Where these rules come from