Q&A: When to start spousal benefits?

Dear Liz: At what age do Social Security benefits stop for dependents? My child is 17 and is currently getting half of my Social Security amount. When her benefits stop, can I sign up my nonworking spouse to receive half of my benefits?

Answer: A minor child can receive up to half of a retirement-aged parent’s Social Security benefit. Child benefits typically end when the child turns 18, or up to 19 if the child is still a full-time high school student. If your child turns 18 during her senior year, for example, the benefits would stop when she graduates. If she turned 19 during her senior year, the benefits would end then.

Spousal benefits can begin as early as age 62, but the amount would be permanently reduced if started before the spouse’s full retirement age (which is 67 for people born in 1960 and later). Technically a spouse does not have to wait until child benefits stop before applying, but there is a limit to the total amount a family can receive based on one person’s work record. The amount varies from 150% to 180% of the worker’s full retirement benefit.

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