For example, suppose you are entitled to $600 per month based on your own work record, and your spouse receives $2,000 per month from his or her FRA. In this case, you’re entitled to $1,000 a month in partner benefits, so you’re getting $1,000 a month — not $1,600 a month.
2. Determine a claim strategy
The age you start claiming can have a significant impact on the amount you receive each month, and if you’re married or divorced, it pays to devise a strategy to maximize your retirement income.
The earliest you can claim is age 62, but if you delay benefits beyond that age (up to age 70), you will receive higher monthly payments. If you are married and both you and your spouse are entitled to benefits, consider whether you want to claim benefits at the same time or at different ages.
In some cases, it may be wise for the less-earning spouse to claim earlier, while the higher-earning spouse defers payment. This way you will have some extra income sooner when you retire, but you will earn a much bigger boost later on. In other scenarios, it may be best for both of you to delay benefits in order to earn as much from Social Security as possible. Or you can both choose to claim early to get a jump start in retirement.