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Understanding Spousal Benefits…And Why They May Not Exist for You.

For married couples looking ahead to retirement finances, the issue of spousal benefits can become a major factor in the planning process. For this reason alone, it’s good to have a clear understanding of how the calculations work and what specific benefit is available to each spouse. For example, for couples with two working spouses, the benefit available to either depends on their individual earnings record, as explained in a post by The Motley Fool’s Kailey Hagen in a recent post on their website, which you can read here. As Ms. Hagen points out, it’s also important to understand that the benefit paid to a spouse will be the larger of the two benefits determined in the calculation process, something that becomes critical in planning for survivor benefits.

Understanding spousal benefits is but one of the more intricate aspects of Social Security, and we know it can be confusing. That’s why the AMAC Foundation offers a free-to-the-public Social Security Advisory Service featuring a team of trained and accredited professionals ready to help you navigate the complexities. Learn more about this service and how to access it here.

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