Social Security: What's My Spouse (or Former Spouse) Entitled to?
Episode 582nd October 2021 • Human-centric Investing Podcast • Hartford Funds
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Some of the most commonly-asked questions about Social Security begin with, “How will my spouse be affected if…?” Whether married, widowed or divorced, understanding how spousal and survivor benefits are calculated is crucial for clients.

Mike Lynch, managing director of Hartford Funds Applied Insights, explains how to educate your clients on this topic.


Mike Lynch is a registered representative of Hartford Funds Distributors, LLC. Check the background of this firm/individual on FINRA’s BrokerCheck. Hartford Funds Distributors, LLC, Member FINRA.


John Diehl: Hello, financial professionals. This is John Diehl, senior vice president of the Applied Insights team at

Hartford Funds. Welcome to episode 58 of the Human-Centric Investing podcast. Joining me today is

Mike Lynch. Mike is managing director on the applied insights team here at Hartford Funds. And gosh,

Mike and I have worked together for over 20 years. And Mike, when it comes to topics, planning topics

such as Social Security, qualified distribution, Mike to me is always the guy that I’ve gone to just to help

me clarify and understand some of the more complex concepts that we oftentimes deal with. And so in

today’s podcast, we really want to take a look at maybe a subsection of Social Security, planning, and I

thought nobody better than Mike Lynch to join us for this conversation.

I will also point out that Mike does a lot of work for us in the Social Security area in terms of education.

But one thing I want to point out is none of us work for the Social Security Administration. We always

point clients to the Social Security Administration, because there are so many individual factors that

go into these decisions and considerations. But in terms of general education, which is what we’re

intending this podcast to be about today, there’s nobody better than Michael Lynch. So Mike, thanks

for joining us on the podcast today.

Mike Lynch: Well, thanks John. I appreciate it.

John Diehl: So, Mike, I thought what I really wanted to concentrate on, it’s an area that we probably get more

questions about this topic than any other one we consider Social Security overall. And the area is

really about spousal benefits. I mean, when we’re presenting to audiences, oftentimes one of the first

questions we’ll get, usually it starts with something like, “How will my spouse be affected if...?” And so,

Mike, I think talking through a couple of examples today might help the financial professionals who are

listening, kind of understand this a little bit better. So Mike, maybe to start off, I think, I’d probably ask

you what are some of the more interesting questions you’ve ever gotten about spousal benefits?

Mike Lynch: Yeah, that’s a great point, John. Sometimes you get the questions before you even begin. You’re setting

up your stuff and, in the old days we had a laptop and a projector, and somebody would tap me on

the shoulder. The funny part is, usually the scenario is the spouse who never makes out too well. The

spouse is either disabled or spouse has passed away in every scenario. But I think, what we usually

get is just that, I think it’s because of the confusion about what if a spouse hasn’t worked as long, or

maybe just not entitled to as much. What are they actually entitled to? And I think that whole illusion

about spousal benefits, I think that warrants a lot of those questions. So I think it’s a great opportunity

for advisors to go back and just make sure that their clients know. Because based on our research and

based on the meetings we’ve done, the majority of folks really don’t understand what they’re entitled


And I think it’s a great opportunity, as you’ve mentioned, to educate them and really lay out what their

options are, what’s available to them. But usually it’s, “Am I really entitled to this?” Putting them at ease

to let them know that technically barring anything we didn’t talk about, they are entitled to that spousal

benefit, which, many situations is a decent amount of money. So it’s something they certainly want to

be aware of and take advantage of.

John Diehl: So Mike, we’ll start out at a very foundational level and maybe one of the first things I think about is

that if the client is married, they should always be thinking about both their own benefit and then a

separately-calculated kind of spousal benefit, right? Like there’s my own benefit, but then I’ve got to

compare that against this thing called a spousal benefit. Is that the right way to think about it?


Mike Lynch: Yeah. I think that’s exactly what you want to think about. What we try and stress is, what are you

entitled to at the end of the day? And generally it’s either your own benefit, a spousal benefit, or if

there’s a death, a death benefit. But the first two, if I worked and I’m entitled to say $500 a month,

well, that’s my benefit. If my spouse worked and they were entitled to say $2,000 a month, well, I might

be able to look at the spousal benefit, because the spousal benefit generally is up to half of the other

spouse’s. So if it’s my wife, Kim and I, and Kim’s entitled to $2,000 a month, and I’m entitled to $500.

Well, I can look at the spousal benefit, which is that half, or that $1,000 a month. So again, it’s a nice

increase and certainly something they want to consider depending on their situation, but certainly

something they want to consider looking into and making sure that they get what they are entitled to.

John Diehl: So Mike, if a couples married, are both spouses automatically entitled to each other’s benefits? Or as

you mentioned, the spousal benefit being half of the spouse’s benefited?

Mike Lynch: Yeah. Not necessarily entitled to both. I mean, it depends on the situation, depends on the timing. But

generally speaking. Say the reverse of that example, I was entitled to $2,000 a month. My wife Kim

was entitled to $500 a month. It’s not as if I could take $250 of hers and she could take $1,000 of mine.

Generally you’ll get whichever is greatest, your benefit, whatever you’re truly entitled to, or a spousal

benefit, which again, is up to half of the spouse’s. I can’t collect my $2,000 plus half of hers. And then

she collects her $500, and then half of mine, $1,000. It gets way too complicated. It’s almost too good

to be true, right? So it’s only one amount and it’s whichever is greatest. So again, Kim was entitled

to $500 a month for her own benefit. I was entitled to $2,000, we’d qualify and she certainly has the

opportunity of getting up to half of mine, which would be that $1,000.

John Diehl: And Mike, say I’m out spouse shopping and Social Security benefits is a big consideration. Is there any

length of time that we’d have to be married before I’m eligible to receive a spousal benefit based on my

spouse’s benefit?

Mike Lynch: About a year, is generally the minimum, but more than likely it’s 10 years. So you have to be married

for greater than 10 years, not remarried in certain situations, but if the situation where you’ve got

the 10 years in, then you’re entitled to that spousal benefit. And then there’s some certain age

requirements as well. It’s not as if a spouse could collect in their 50s or something. We still have to wait

until we get closer to retirement age, but that 10 years is kind of a rule of thumb and is a great

resource. So if anybody’s got any thoughts, or questions, or concerns, and they just want to make sure

what they’re entitled to, I think is a terrific resource to go to, to really explain and see if there’s

any special exceptions or any special issues that you need to be aware of. It’s detailed right in

John Diehl: So Mike, as we think about this spousal benefit, and I know there may be extraneous circumstances,

but as a rule of thumb, what exactly is each person entitled to? And my second question along there is,

when can they actually file for that spousal benefit?

Mike Lynch: Sure. So the spousal benefits, as early as age 62. And then again, it’s generally speaking, whichever is

greater, your own benefit or the spousal benefit. So, again if it was my wife, Kim and I, and Kim at 62 is

not currently working and says, I want to file for a benefit for Social Security and I want to see what I’m

entitled to. If I don’t file, it’s as if I don’t exist. So for her to try and take a spousal benefit, they’ll kind of

match it up and say, well, where’s the other person, how come they haven’t filed yet? So there’s nothing

to really claim yet. So what they would do is they would give her just her benefit.

John Diehl: Okay.

Mike Lynch: And then say a or two later I decide to retire and I want to file, now it’s as if I’ve appeared on the books.

So now I exist. And they’d take a look at what is Mike entitled to? Say, Mike was entitled to $2,000 a

month. Well, then they could take a look at Kim’s and say, okay, she’s receiving $500 a month as her

own benefit, but the spousal benefit is up to half or $1,000. So we could certainly increase that to

$1,000 a month. We would contact the Social Security to make sure that paperwork’s in order and that

process is complete, but that’s generally speaking what you’d be entitled to and how they’d work it.

John Diehl: So, Mike, would that be an automatic or is that something that you’d have to contact Social Security

about? When the spouse did file, the spouse with the higher benefit, would they automatically up Kim’s

benefit? Or do you think you both would have to contact Social Security to make sure that happened?


Mike Lynch: You know, I’d like to think it’d be automatic, but I think you’d want to contact the Social Security

Administration just because, like everything else, right, it’s a government agency, they’re short-staffed,

certainly challenges. And you don’t want to be that one hiccup or that one glitch in the system where

for some reason they never picked up on the two of us and what we’re entitled to. So I think it’s almost

buyer be aware to some extent. You want to make sure you’re educated; you want to make sure you

contact the Social Security office, stay in front of those types of things. And to me, that’s a change. So

when that happens, I would want to contact them and say, “Am I entitled to that spousal benefit?” And

make sure that that is something that’s applicable and then start to get that greater benefit.

John Diehl: I know a lot of financial professionals obviously are aware that, if we take our individual benefits prior

to our normal retirement age, there’s a penalty, right, for doing that. And likewise, if we delay those

benefits till after our normal retirement age, there’s a compounding effect where our benefit actually

increases. Does the same apply to a spousal benefit? Like in your example, if Kim were 62 and you

were 68, so you were normal retirement age, but Kim wasn’t, would her spousal benefit be reduced the

same way, as if she were filing for an individual benefit?

Mike Lynch: Probably not the same amount technically, but yeah, she would be penalized to some extent, because

it’s basically how close she is to full retirement age. And if she was 62, she’s pretty far off. So I think

the key wording there is when you look at spousal benefits, it always says up to 50% and that’s


John Diehl: Okay.

Mike Lynch: ...we get the line of people after seminar that have done the math with their 50% and we’ve got to

clarify and just make sure that they understand that the greatest you’ll get is up to 50%. So if both of us

were the same age, or both of us were past full retirement age, we’re probably more open to getting

that 50% amount. If one was 68 and one 62, that amount for the 62 year old is not going to be 50%, but

it may be still greater than what they’re receiving on their own. So that’s where they want to take a look

at it.

John Diehl: Okay. And I guess, if the spouse with the higher benefit is past normal retirement age and that benefit

has grown by the time they take it, then that would also increase the spousal benefits since it’s 50% of

that. Is that the correct way to think about it?

Mike Lynch: Unfortunately it doesn’t.

John Diehl: Oh, it does not.

Mike Lynch: Unfortunately it doesn’t. That increase goes from full retirement age to the age of 70 today. We don’t

know if that’ll change down the road, but up until age 70 and that’s your own benefit increase. So if I

chose not to take my benefit at 67 and it went up 8% by 68, then I certainly have the opportunity of

taking it. But for the spousal benefit, it’s capped at full retirement age amount.

John Diehl: Okay.

Mike Lynch: So if I chose to wait till 69 and my benefit was, $2,200 or whatever, they would go back and take a

look and say, well, what was Mike entitled to at full retirement age? And then base that calculation,

or up to half of that, based on the full retirement age. It’d be nice if they increased it up until age 70.

Unfortunately it doesn’t work that way.

John Diehl: Important to know, I think...

Mike Lynch: Oh yeah. Definitely.

John Diehl: ...for financial professionals who are listening. So Mike, I think of some of the funnier questions I’ve

gotten on Social Security benefits, not a funny topic divorce, but some of the questions that come out

of it sometimes make me chuckle. So what if a couple gets divorced? What is that divorced spouse

entitled to?

Mike Lynch: It’s funny, we actually did an event and I saw a woman doing some math, and she came up afterwards.


She’s like, if my math is correct, I think I may want to lean towards the divorce side. I thought that was

the weirdest and most interesting conversation.

John Diehl: Oh no.

Mike Lynch: I kind of held this poor guy’s life in my hands, so to speak. Whether her math was correct or not. But

I think if it’s a divorce, it’s early as age 62 that you can file. You’ll get up to whatever that amount is,

again, up to half. And there’s certain parameters, so they have to be married greater than 10 years, not

remarried. So again, the same thing, you need to go to to just double check and make sure.

And with that said too, barring any issues with the divorce that we’re unaware of, right.

If there’s some exception made, I doubt there would be, but if there’s some exception made saying

that they give up something, then that would override any of these. But if it’s a standard divorce, and

Kim and I got divorced, Kim could file as early as age 62 for the spousal benefit. See what that amount

is. If it’s greater than hers, she would certainly be able to take that. The nice part too is, if there’s a

contentious situation and say Kim calls me and says, “Hey, I need you to do something so that I can file

for the spousal benefit.” Those things are taken away nowadays. So I may not even know. I don’t have

to do anything. I don’t have to agree to anything. It’s as if I probably am unaware of the fact that she

was even collecting and filing for the spousal benefit.

So divorce is a little different than other situations, but the good news is, if it does happen, it’s a

smooth process, I think. And again, provided they have all their paperwork in order, they contact Social

Security office. It’s not like both parties have to agree or both parties have to do something. It’s just,

Kim would have to take some action. And again, I may not even be aware or agree. I wouldn’t really be

part of the situation.

John Diehl: Mike, I think, it’s important because one of those situations I had was, a woman came up to me after a

Social Security event and said, I think I’d actually be able to benefit a lot more by taking my ex-spouse’s

benefit, but he would kill me if he knew. And I think there’s some reservation out there that people

think that...

Mike Lynch: Sure.

John Diehl: ...or they don’t want contact, maybe it was a messy divorce. But the fact is that there’s no notification

that goes out. But Mike, what if there was more than one ex-spouse? I know that you said, that we had

to be married 10 years. But let’s say there’s more than one ex-spouse, how does that work?

Mike Lynch: Yeah, that’s kind of the old standing joke. Remember Johnny Carson. Carson was I think, divorced four

times and I don’t think any of his ex-wives remarried. So technically, all those people were filing on

Johnny Carson’s spousal benefits.

John Diehl: Wow.

Mike Lynch: So if there are multiple divorces again, you may not even know—you probably know the situation—but

for the individual’s paperwork or for the individual situation, those other situations really don’t come

into play. It really looks at you and looks at your ex-spouse, what your situation was, whether you

qualify or not. And then based on that, what the amount is given. So you know, it’s probably a rare

thing with Johnny Carson. But again, the good news...and I think you’re exactly right. I don’t think a lot

of folks really know that is available to them. So it’s a great opportunity to go back and take a look at

your book of business. Any folks that you do know that are divorced, make sure that they’re aware of

that options available.

John Diehl: So Mike, what if a spouse passes away? What happens with the surviving spouse?

Mike Lynch: Sure. So that would be as early as 60.

John Diehl: Okay.

Mike Lynch: So divorce and spousal benefits generally start as early as age 62, but death is one of those exceptions

where it actually starts at age 60. So if I pass away, Kim turns 60, she could contact the Social Security


office and say, “I want to inquire about the death benefit or whatever that full amount is.” And

generally that would be whatever full amount is (that) I would be entitled to at the time of my death.

And then she would get that. Now, if that were lower than her own benefit, as early as 62, she could

technically stop taking a death benefit and start taking her own benefit.

John Diehl: Okay.

Mike Lynch: But let’s just assume it’s not, let’s assume mine’s greater. She would get that as early as age 60, and

she could get that through the rest of her life. So if there is a death, the only challenge sometimes is if,

someone passed away at say 58 or 59. The spouse’s still got to wait till age 60 to get that death benefit.

But again, they have the opportunity of getting that.

John Diehl: Right. So, just to be clear, you said that that benefit would be 100% of what the deceased spouse was

receiving. This isn’t a 50% adjustment situation, right?

Mike Lynch: Right. So it’s 100%. Yeah, yeah.

John Diehl: Okay.

Mike Lynch: So it’s the greatest amount.

John Diehl: And is it something Social Security automatically adjust for? Or do you always recommend getting in

contact with them at the death of a spouse?

Mike Lynch: Yeah, I would always recommend. I actually ran into a situation where a woman—you know we we’re

doing the event—and she said, “I think I’m still getting the lower amount.” And I think it was a hiccup,

unfortunately, where it was either they were never notified or some paperwork was never alerted to

them or maybe they just forgot. But it was a little concerning. Because she said she lost her spouse a

number of years ago. And again, you meet people for 30 seconds, so you don’t know all the ins and

outs of the situation. But my fear is that one was one of those ones that kind of got lost in the shuffle

somewhere. So I think it’s, especially if the amount that they’re entitled to is much greater than their

own benefit, they want to stay on top of that. And they want to make sure that they contact Social

Security, get all the paperwork in as quick as they possibly can, and get the process going. Because

again, it could be thousands of dollars potentially a month that they may need.

John Diehl: Right. Well Mike, last question for you as we close up. If a couple is still married and they’re having

trouble deciding when to file for benefits, how do you suggest they start to figure that out?

Mike Lynch: There are a lot of books, there’s a lot of recordings, a lot of seminars. And I think the, “when, when,

when” is what sells the invitation to Social Security, rights? When should I file? When should I file?

Well, we try and do is replace the word, when with the word, what. And really try and sit down with a

couple and say, “What income are you really in need of? What income are you looking for from Social

Security?” And then based on that back in the when. So if you sit down with a husband and wife and

they say, “Well you know, gosh, if we have five- or six-hundred bucks a month or more, we’d be happy

right now.” Well, maybe just one spouse files and that accomplishes their goal. Or they say, “Well, we

would like to have a couple thousand dollars a month.”

We can take a look and say, okay, which one of the two is entitled to that? Or how do we get to that

number? So I think one of the key ways is really thinking about that what—what income are you really

looking for from Social Security? And if we haven’t done that, that’s really a first thing and thinking

about other sources of income as well. And really, what are we looking for from a total monthly or

an annual type of income level? And then based on that, thinking about other sources of income and

filling Social Security in just like any other source and say, okay, what are we looking to get from Social

Security? Now again, sometimes it might be bad news and we may have to wait a little bit because our,

“what” is that much bigger. Or maybe good news, where the client, they can file at any point in time

and they’d be happy.

So I think what we’re finding is a lot of people run to Social Security at age 62, kind of with their hair on

fire saying, “We think the program is going to go away. We want our benefits to start clearing out or


start taking it.” But it may not be the right option for them. It might put them in a higher tax bracket.

It might, really not accomplish their goals long term. So I think if you could sit down with clients

and really think about what income do we need and then come up with a strategy, like, one of the

reasons file-and-suspend was such a popular idea or a popular concept years ago, is because it was a

strategy—a way to start taking Social Security and really accomplish your goals kind of little by little, if

you will.

And I think this idea is like dipping your toe in the water, which is, we have maybe the income for the

spouse who’s a little bit lower. We have them turn that on first and see if that’s enough. See if that

makes sense for them. Does that accomplish their what, their what dollar amount? And then if it

doesn’t, the other spouse can always file and take the benefit. But I think, really having the opportunity,

having the conversation. And I think you, as you mentioned early in the intro, everybody’s different

nowadays. It’d be much easier if we could do a seminar and people that dial in early, you file at 62,

people right on time, 65 or 67. And that people that may maybe got on late, you wait till 70. Where

now it really is an individual situation. Many times you have spouses that choose different options. So

it really is not dictated by a friend, or relative, or neighbor anymore. It’s really their decision and really

an individual situation. So that’s where I think the financial advisors and financial professional is so

important in the conversation.

John Diehl: Well, Mike, I think that’s really good advice. Essentially what you’re saying is take a proactive approach

to Social Security benefits versus being reactive to it and just letting it happen. Well, Mike, thanks for

joining us again on another episode of the Human-Centric Investing podcast. Always a pleasure to have


Mike Lynch: Thanks, John. I appreciate it.

John Diehl: And for those of you listening, as Mike mentioned earlier, has a wealth of information. They

really have done a good job structuring that website, but also if you’re interested in materials that we

have available at Hartford Funds, including client facing material, please visit us at

ss. Again, that’s So again, thanks for listening. Hope you got a couple of good

ideas today. The great thing about social security is every client that you’re working with is probably

eligible for it in some way or another. And therefore everyone is interested in ways to maximize that

benefit to make the most of their retirement benefits. So good luck. And again, hopefully re-listening to

the podcast or visiting some of those sites I just mentioned will be helpful for you. And we look forward

to hosting you again on the next episode of the Human-Centric Investing podcast. Thanks very much.

Operator: This podcast is intended for use by financial professionals or in conjunction with the advice of a

financial professional. It is intended to be educational in nature and should not be construed as

individual investment advice or a recommendation or a solicitation to buy, sell or hold any security or

to adopt any investment strategy. It does not constitute legal or tax advice or fiduciary advice pursuant

to ERISA rules.