Deciding when to collect Social Security spousal benefits requires careful timing to get the most from it. Applying too early could significantly reduce the size of your benefit.
In most cases, the spouse of the working person can get maximum spousal benefits equal to half (50 percent) of the other spouse’s benefits. Several conditions apply when determining how much the applicant will receive when submitting their Social Security Administration (SSA) spousal benefits application. Because it could mean a difference of thousands of dollars each year, timing it right is essential.
