Planning retirement as a couple can be complicated, and Social Security spousal benefits often play a major role in ensuring long-term financial security. In 2025, the rules remain the same as in recent years, but potential changes on the horizon could affect millions of American households.
This guide breaks down the current spousal benefit rules, proposed changes, eligibility requirements, and smart planning tips for couples.
Current Rules for Spousal Benefits in 2025
Spousal benefits allow one spouse to claim up to 50% of their partner’s Social Security retirement benefit if certain requirements are met. The 2015 Bipartisan Budget Act reshaped the system, and its rules still apply today:
1. Deemed Filing
- When a spouse applies for retirement or spousal benefits, they are automatically considered to have filed for both.
- You only receive the higher of the two benefits (your own retirement benefit or the spousal benefit).
- The old “restricted application” strategy is no longer available.
2. Voluntary Suspension
- Workers who reach Full Retirement Age (FRA, currently 67) may suspend their benefit to earn delayed credits (8% per year until 70).
- But if the worker suspends, spousal benefits tied to their record also stop.
3. Spousal Benefit Rate
- At FRA, a spouse may receive up to 50% of the worker’s Primary Insurance Amount (PIA).
- Example: If the worker’s PIA is $3,000, the spouse can get $1,500.
- Claiming before FRA (as early as age 62) permanently reduces the benefit.
Proposed Changes: A Potential Cut by 2030
Although no changes are active in 2025, proposals in Washington could reduce the spousal benefit from 50% to 33% by 2030.
| Worker’s PIA | Current Spousal Benefit (50%) | Proposed Future Benefit (33%) |
|---|---|---|
| $3,000 | $1,500 | $960 |
That’s a 36% reduction—a major hit for couples where one spouse has little or no work history.
Who Is Eligible for Spousal Benefits in 2025?
You may qualify if:
- You are 62 or older (with a reduced benefit if before FRA).
- You are caring for the worker’s child under 16 or disabled, regardless of age.
- The worker has already applied for retirement benefits.
Special Situations
- Divorced spouses: Eligible if the marriage lasted 10+ years, you’re at least 62, unmarried, and your ex qualifies for retirement benefits.
- Remarriage: Ends divorced spousal benefit eligibility unless the later marriage ends.
- Widows/Widowers: Survivor benefits may pay up to 100% of the deceased spouse’s benefit.
Smart Planning Tips for Couples
- Run scenarios: Use SSA calculators to compare outcomes under current rules vs. the proposed 33% cut.
- Coordinate claiming ages: Delaying the higher earner’s benefit can increase household income.
- Consider survivor benefits: The surviving spouse usually gets the larger of the two benefits.
- Stay updated: Watch for official updates on ssa.gov.
FAQs About Social Security Spousal Benefits (2025)
Has the spousal benefit been reduced in 2025?
No. It remains at 50% of the worker’s benefit at FRA. The 33% cut is only a proposal for 2030.
Can a divorced spouse claim benefits?
Yes—if the marriage lasted at least 10 years, you’re 62 or older, unmarried, and your ex is eligible.
If my spouse suspends their benefits, can I still collect spousal benefits?
No. If the worker suspends, all dependent benefits—including yours—stop.
How do survivor benefits differ from spousal benefits?
Survivor benefits can pay up to 100% of the deceased spouse’s benefit, separate from spousal benefits.
What’s the earliest age I can claim spousal benefits?
Age 62, but claiming before FRA permanently reduces the amount.
Conclusion: Stay Prepared for the Future
In 2025, spousal benefits remain at 50% of the worker’s PIA, but possible future cuts could reduce that amount to 33% by 2030. Couples should plan ahead, run scenarios, and coordinate benefit strategies to protect their retirement income.
The key is staying informed—review your situation regularly and check ssa.gov for updates.