Social Security for Couples
Two benefits, two timelines, one strategy.
Married couples have more Social Security options than individuals. A lower-earning spouse can receive up to 50% of the higher earner's benefit. Timing matters: if one spouse delays to age 70 while the other claims earlier, the couple can maximize total lifetime benefits. Divorced? If you were married at least 10 years, you may be eligible for benefits based on your former spouse's record without affecting their benefit at all.
From Grace
Social Security for couples is one area where a coordinated strategy can make a significant difference. Let me help you think through it.