{"id":47211,"date":"2023-05-04T05:00:08","date_gmt":"2023-05-04T05:00:08","guid":{"rendered":"https:\/\/bulmanwealth.com\/?p=47211"},"modified":"2023-05-01T18:11:44","modified_gmt":"2023-05-01T18:11:44","slug":"ep-16-social-security-benefits-for-spouses-what-to-know","status":"publish","type":"post","link":"https:\/\/bulmanwealth.com\/ep-16-social-security-benefits-for-spouses-what-to-know\/","title":{"rendered":"Ep 16: Social Security Benefits for Spouses \u2013 What to Know"},"content":{"rendered":"<div id=\"buzzsprout-player-12759099\"><\/div>\n<p><script src=\"https:\/\/www.buzzsprout.com\/2058194\/12759099-ep-16-social-security-benefits-for-spouses-what-to-know.js?container_id=buzzsprout-player-12759099&#038;player=small\" type=\"text\/javascript\" charset=\"utf-8\"><\/script><\/p>\n<p>&nbsp;<\/p>\n<p>One question that comes up a lot from our clients that are in their 60s and starting to ponder Social Security is what benefits are available to spouses?<\/p>\n<p>For many families, one couple often works more over a career while the other sacrifices more for children or other reasons. In that scenario, earnings are skewed and it leaves one without a significant benefit in retirement. The good news is, yes, you are entitled to a portion of your spouse\u2019s benefit with some qualifications.<\/p>\n<p>Today we\u2019ll break it all down for you and explain everything you need to know about spousal benefits. You might be able to claim a benefit of up to 50% without cutting into your spouse\u2019s amount, and this is still true if you\u2019ve gone through a divorce, but you need to know the specifics of how this all works.<\/p>\n<p>If you have any questions after listening to the show, let us know and we\u2019ll be happy to work through your Social Security situation personally.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Here\u2019s some of what you will learn in this episode:<\/strong><\/p>\n<ul>\n<li>What you need to be qualified for these spousal benefits. \u00a0<strong>(3:59)<\/strong><\/li>\n<li>Your spouse needs to be collecting their benefit for you to receive yours.<strong> (6:07)<\/strong><\/li>\n<li>Does this change if you\u2019re divorced? <strong>\u00a0(10:22)<\/strong><\/li>\n<li>The scenario where you could claim Social Security benefits if a spouse passes away before retirement age. <strong>(12:22)<\/strong><\/li>\n<li>A quick recap of everything you need to know.<strong> (13:58)<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>If you have any questions about what we discussed or anything else in your financial plan, email us at <a href=\"mailto:ask@bulmanwealth.com\">ask@bulmanwealth.com<\/a>.<\/p>\n<p><b>REFERENCES FOR THIS EPISODE:<\/b><\/p>\n<p>https:\/\/www.forbes.com\/advisor\/retirement\/social-security-spousal-benefits\/<\/p>\n<p><a href=\"https:\/\/www.ssa.gov\/planners\/retire\/applying6.html\">https:\/\/www.ssa.gov\/planners\/retire\/applying6.html<\/a><\/p>\n<p><a href=\"https:\/\/www.ssa.gov\/planners\/retire\/retirechart.html\">https:\/\/www.ssa.gov\/planners\/retire\/retirechart.html<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-47213 \" src=\"https:\/\/bulmanwealth.com\/wp-content\/uploads\/2023\/05\/016-Scott-Vlahon-Quote-Graphic-1024x734.png\" alt=\"\" width=\"648\" height=\"464\" srcset=\"https:\/\/bulmanwealth.com\/wp-content\/uploads\/2023\/05\/016-Scott-Vlahon-Quote-Graphic-1024x734.png 1024w, https:\/\/bulmanwealth.com\/wp-content\/uploads\/2023\/05\/016-Scott-Vlahon-Quote-Graphic-300x215.png 300w, https:\/\/bulmanwealth.com\/wp-content\/uploads\/2023\/05\/016-Scott-Vlahon-Quote-Graphic-768x550.png 768w, https:\/\/bulmanwealth.com\/wp-content\/uploads\/2023\/05\/016-Scott-Vlahon-Quote-Graphic.png 1100w\" sizes=\"(max-width: 648px) 100vw, 648px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Today we\u2019ll break it all down for you and explain everything you need to know about Social Security spousal benefits. You might be able to claim a benefit of up to 50% without cutting into your spouse\u2019s amount, and this is still true if you\u2019ve gone through a divorce, but you need to know the specifics of how this all works. <\/p>\n","protected":false},"author":11,"featured_media":47215,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[44,104,51],"tags":[110,126,73,125,99],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Goals for Empty Nesters | Bulman Wealth<\/title>\n<meta name=\"description\" content=\"Today we\u2019ll break it all down for you and explain everything you need to know about Social Security spousal benefits. You might be able to claim a benefit of up to 50% without cutting into your spouse\u2019s amount, and this is still true if you\u2019ve gone through a divorce, but you need to know the specifics of how this all works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bulmanwealth.com\/ep-16-social-security-benefits-for-spouses-what-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Goals for Empty Nesters | Bulman Wealth\" \/>\n<meta property=\"og:description\" content=\"Today we\u2019ll break it all down for you and explain everything you need to know about Social Security spousal benefits. You might be able to claim a benefit of up to 50% without cutting into your spouse\u2019s amount, and this is still true if you\u2019ve gone through a divorce, but you need to know the specifics of how this all works.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bulmanwealth.com\/ep-16-social-security-benefits-for-spouses-what-to-know\/\" \/>\n<meta property=\"og:site_name\" content=\"Bulman Wealth\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-04T05:00:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-01T18:11:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bulmanwealth.com\/wp-content\/uploads\/2023\/05\/016-Scott-Vlahon-Ep-Art-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Walter Storholt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Walter Storholt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financial Goals for Empty Nesters | Bulman Wealth","description":"Today we\u2019ll break it all down for you and explain everything you need to know about Social Security spousal benefits. You might be able to claim a benefit of up to 50% without cutting into your spouse\u2019s amount, and this is still true if you\u2019ve gone through a divorce, but you need to know the specifics of how this all works.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bulmanwealth.com\/ep-16-social-security-benefits-for-spouses-what-to-know\/","og_locale":"en_US","og_type":"article","og_title":"Financial Goals for Empty Nesters | Bulman Wealth","og_description":"Today we\u2019ll break it all down for you and explain everything you need to know about Social Security spousal benefits. 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