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Step 4 - Retirement Benefits For A Spouse

THE WAY BENEFITS ARE COMPUTED NOW:
Overview
Limitations
Step 1 - Find The Normal Retirement Age
Step 2 - Calculate The Average Indexed Monthly Earnings
Step 3 - Calculate The PIA
Step 4 - Retirement Benefits For A Spouse
Current Year Wage & Benefits Maximums
Senior's Earning Limit Repealed
In general, the spouse's Social Security retirement benefits should be the larger of the spouse's retirement benefits based on the spouse's earnings or 50% of the worker's retirement benefit. A spouse may receive Social Security retirement benefits starting at age 62. However, Social Security monthly payments will be reduced if a spouse starts taking benefits before their normal retirement age.  

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