Answer: The spouse’s benefit depends on various factors. They are entitled to the greater of half of their spouse’s benefit or all of their own benefit, whichever is highest.
If you reached 62 by December 31, 2015, you might qualify for the restricted application for spousal benefits only, allowing you to receive half of your benefit at full retirement age while letting your own benefit grow until age 70.
However, if you did not reach age 62 by that date, you fall under deemed filing rules. This means you automatically receive the highest of all benefits you are eligible for when you file, whether it’s half of your spouse’s benefit or your own benefit.
It’s important to note that your spouse must have either filed for benefits or, if eligible, filed and suspended them.