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Social Security Spousal Benefit in Retirement
Episode 2043rd April 2023 • Secure Your Retirement • Secure Your Retirement
00:00:00 00:26:57

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In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Heather Schreiber about social security spousal benefits and how it works.  Heather is a retirement income strategist, speaker, writer, and educator of financial, legal, and tax professionals.

Listen in to learn how spousal income works for couples with wide disparities in income benefits. You will get the full picture of how the fifty percent income benefit that the lower wage earner gets from the higher wage earner’s full retirement age benefit works.

In this episode, find out:

  • How spousal benefit will be impacted if the higher wage earner predeceases the lower wage earner.
  • Heather explains what happens with married couples with wide disparities in income benefits.
  • Understanding the meaning of spousal benefit and the value of waiting a little longer to collect.
  • Why spousal benefit always starts at fifty percent of the higher wage earner's full retirement age benefit.
  • Understanding who’s entitled to the spousal benefit for people under 70 by January 2024.

Tweetable Quotes:

  • “Any benefit that you take prior to your full retirement age, whether it’s your own, spousal benefit, ex-spousal benefit, or survivor benefit, does come with a reduction.”- Heather Schreiber
  • “Social security wants to be paying your own retirement benefits before they pay any benefits under any other records.”- Heather Schreiber

Connect with Heather:


If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

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