A Reddit user expressed concern that his wife was not receiving the correct amount of Social Security spousal benefits, as she only received her lower personal benefit instead. The article explains that spousal benefits, which can amount to 50% of the primary earner's benefit, are contingent upon the primary earner having claimed benefits. If not, spousal benefits cannot be accessed and this misunderstanding highlights the complexities of Social Security applications for married couples keen on optimizing their benefits.
Understanding Social Security benefits can be complex, especially for married couples. The main rule is you choose benefits based on your work or your spouse's.
If a spouse has not claimed their retirement benefits, the other spouse cannot receive spousal benefits, which may lead to confusion in claims.
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