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Claiming Social Security as married can be complicated as the stakes can be higher. Your filing choice might not only financially impact you but also your spouse, in this article you will know what you need to do to lessen complications in claiming Social Security as married.
Claiming Social Security As Married Can Be Complicated (PHOTO: Hartford Funds)
What To Do When Claiming Social Security As Married?
The Motley Fool advises that it is important to talk things out with your partner before signing up for any benefits you want to avail. If you want to file early for Social Security to get money early, or you want to delay filing for high monthly benefits, either way, you must assess or evaluate your spouse’s needs before signing up for any benefits.
For example, if you delay your Social Security filing, it would be problematic if your spouse keeps on waiting for you to claim benefits. But this is a common option that is made by spouses who don’t have their work history and are not eligible for Social Security.
If your spouse is a lower earner during their career and you were a higher one, that option may be your choice. If that’s the case, based on their record alone, a spousal benefit might put more money in your partner’s pocket than the benefit they are qualified for.
On the other hand, an early filing could become problematic if your spouse wishes to outlive you by many years.
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Claiming Social Security As Married?
If you decide to file on time or early, you must discuss it with your spouse the different options. It is important that you must understand the different filing ages and what it means for you if you filed as one or individually.
Make sure that you are ready not just emotionally, but also financially. Good communication with your spouse will lead you to a happy life. You just need to discuss everything with your partner and land on choices that work well for both of you.
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