What is Social Security's one-year rule? Check it out if you're about to file for retirement benefits or are 62 or older

Planning for retirement is essential and Social security there are many tools and ways to support you throughout the process. If you're in your early 60s, you're probably thinking about when to file Benefits.

What's more, you may not live alone. Having a spouse and a child or two may be more than likely in many cases. Also, many married couples try to plan retirement together.

That way they can start collecting Social security benefits at the same time. However, not all married couples can collect monthly payments on their record. So it can be frustrating.


This rule is part of the requirements for marriage Spouse's Social Security benefits. Generally, you and your spouse must have been married for 1 year to be eligible for spousal benefits.

Social Security will ensure that applicants meet all requirements before they can apply for retirement, disability, spousal or heir benefits

Therefore, you cannot file for spousal benefits if you have not been married for at least 12 months. Some of you must be wondering if there are any exceptions to this marriage rule.

In fact, some spouses may avoid the 1 year rule with respect to marriage requirements. In truth, it is only possible to avoid this rule if you and your spouse have had a child.

Therefore, if you are the parent of the children or your spouse's child, the 1 year rule does not apply at all. Thus, it is possible for some candidates to avoid this Social security rule.


Note that there is no fixed amount. However, there are average payouts. The latest monthly statistical picture Social security published states that the average payment for spouses of retired workers is $912.

For your information, retired workers receive an average payment of $1,907. Even the biggest one Social security payment is $4,873 in 2024, very few workers are eligible.

Remember that the sooner you apply for Social security, the lower your payment will be. Some married couples decide that only one of them wants retirement benefits.

Thus, one who retires at age 70 can get about 24% allowance per month. Full retirement age is when applicants can receive 100 percent of their benefits. So, take advantage of the annual Social security Statement to see if you qualify for spousal benefits and amounts. Be wise and see money You will receive!

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