What are the differences between spousal benefits and individual benefits?
An example of an AI chatbot conversation about spousal vs individual benefits in social security.
What are the differences between spousal benefits and individual benefits?
Spousal benefits are based on your partner's work record, while individual benefits are based on your own work history.
Can I receive both spousal and individual benefits?
Yes, you can receive both, but the total amount may be limited based on your individual benefit.
How do I apply for spousal benefits?
You can apply for spousal benefits through the Social Security Administration's website or by visiting your local office.
What happens if my spouse passes away?
If your spouse passes away, you may be eligible for survivor benefits, which can be higher than spousal benefits.
Are there any age restrictions for claiming these benefits?
Yes, you can start claiming spousal benefits at age 62, but full benefits are available at your full retirement age.
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