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Social Security Handbook
320.Spouse's Insurance Benefit320.1What is your spouse's insurance benefit amount?As a spouse, your insurance benefit is one-half of the worker's
primary insurance amount (see §302).            The benefit paid to you may be less than one-half of the worker's
primary insurance amount if:The “family maximum” applies (see §§731-732 for an explanation
of reduction in benefit rates because of this provision);You are entitled to a retirement, disability, or
widow(er)'s insurance benefit that is smaller than your spouse's benefit
rate (only the difference between the retirement, disability, or
widow(er)'s benefit and the spouse's benefit rate is paid as a spouse's
insurance benefit); orYou qualified for a reduced spouse's benefit before
retirement age. (See §§723-724 for an explanation of how the reduced rate is figured.)Note: If you have in care the worker's
child under age 16 or disabled, who is entitled to child's insurance
benefits, your benefits are not reduced. (See §312 for an explanation
of “in care”.)320.2What is the effect of receiving reduced spouse's benefits
prior to full retirement age?If you choose to receive, and are paid, a reduced spouse's benefit
for months before full retirement age, you are not entitled to the
full spouse's benefit rate upon reaching full retirement age. A reduced
benefit rate is payable for as long as you remain entitled to spouse's
benefits.(For possible adjustment at retirement age, see §728.)320.3What do you need to know about divorced spouse's benefits?If you are a divorced spouse, your spouse's benefit is not reduced
under (A) above.If you do not have the worker's entitled child in your care
in the first month of your entitlement before full retirement age,
your benefit is reduced under (C) above. However, if you have such
a child in care in that month, your benefit is not reduced. It remains
unreduced even for later months before full retirement age in which
no child is in your care.Last Revised: Feb. 4, 2008
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