Decision Guide · 2026 Edition

Spousal Benefits: What Every Couple Needs to Know

Claiming on your spouse’s record — the 2026 rules explained

Spousal Max
50% of PIA
Divorced
10+ yr marriage
Earnings Test
$24,480/yr
Dr. Ed
Dr. Ed · Former SSA District Manager · 20 Years Inside Social Security
Spousal Benefits Decision Guide Preview — Page 1
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Educational information only — not legal or financial advice. All amounts 2026 SSOT-verified. Source: SSA.gov