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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
Is It True That's There's No Limit On How Much Each Member Of A Couple Can Be Paid Based On Their Own Earnings History?
I am getting conflicting answers.
Is there a limit on Social Security benefits for married couples if both spouses worked outside the home and earned income and each has a Social Security account?
I am told that not when it comes to each spouse's own benefit. Both can receive retirement payments based on their respective earnings records and the age when they claimed benefits. One payment does not offset or affect the other
Is this true?.
Hi. Yes, that's true. Although there's a family maximum benefit (FMB) amount that can be paid monthly from each person's Social Security record, the FMB can only limit auxiliary (e.g. spousal, child) or survivor benefits. There is no limit on the amount of Social Security retirement or disability benefits that a person can be paid based on their own earnings history, regardless of whether or not they have a spouse who is also collecting benefits.
Best, Jerry
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Posted:
October 27, 2022