When it comes to retirement planning, understanding the nuances of Social Security benefits becomes paramount, especially for couples. As a trusted Social Security analyst at Cosi Agency, we recognize the significance of maximizing benefits for couples to ensure a secure and fulfilling retirement. In this blog post, we will cover the essential strategies designed to boost combined benefits and pave the way for a financially sound future.


When a worker files for retirement benefits, the spouse becomes eligible for a benefit based on the worker’s earnings. At least 62 years old or having a qualifying child in their care are the primary eligibility criteria for spouses. The spousal benefit can amount to half of the worker’s “primary insurance amount,” with reductions if claimed before full retirement age except when caring for a qualifying child.

If a spouse is eligible for a retirement benefit based on their own earnings, and it surpasses the spousal benefit, they receive the higher of the two. This intricate dance of benefits is a crucial aspect of retirement income planning for millions of Americans.

To qualify for spousal benefits, one must be 62 years of age or older, or any age while caring for a child under 16 or a child with a disability entitled to benefits. However, claiming before full retirement age results in a permanently reduced benefit. Waiting until full retirement age or caring for a child under specific conditions ensures the full spousal benefit.


For those divorced from a marriage lasting a decade or more, benefits on a former spouse’s record are attainable. Exploring the Benefits For Your Family page provides valuable insights into potential avenues for securing benefits.


Social Security survivors’ benefits are a critical component, considering a person’s family in the unfortunate event of their demise. The number of credits needed depends on the worker’s age when they pass away, with a maximum requirement of 40 credits (10 years of work). Survivor benefits extend to spouses, children, and parents, provided the deceased worked sufficiently under Social Security.

Upon death, a lump-sum death payment of $255 is available to the surviving spouse if living with the deceased. If no surviving spouse exists, the payment goes to a child eligible for benefits. Returning benefits received for the month of death is essential, depending on the mode of receipt.


Beyond the intricacies of spousal and survivor benefits, married couples can strategize to maximize their Social Security income:

Strategy 1: Both Spouses Delay Until Age 70

Beyond the intricacies of spousal and survivor benefits, married couples can strategize to maximize their Social Security income:

Strategy 1: Both Spouses Delay Until Age 70

Delaying benefits until age 70 results in increased monthly amounts, particularly beneficial for couples lacking substantial savings.

Strategy 2: Capitalize on Spousal Benefits

Claiming a spousal benefit based on the higher-earning spouse’s record can significantly boost combined income. This proves advantageous when one spouse has considerably higher lifetime earnings.

Strategy 3: One Spouse Claims Early, One Delays

A split or hybrid approach allows one spouse to claim immediate income while the other benefits from higher delayed retirement credits, ensuring long-term financial security.

Strategy 4: Both Claim at 62

In cases where immediate income is crucial, both spouses can claim benefits at 62. However, it’s essential to weigh the long-term implications of reduced benefits.


Social Security serves as a guaranteed retirement income, vital for long-term financial security. Deciding when to claim benefits requires a comprehensive consideration of factors like ages, full retirement age, career earnings, overall retirement savings, and health status.

Ultimately, the optimal strategy depends on individual circumstances and long term goals. At Cosi Agency, our mission is to guide you through these complexities, ensuring a retirement plan tailored to your unique needs. Whether you choose to maximize benefits through delayed claiming or leverage spousal benefits, we’re here to help you navigate the intricate landscape of Social Security and secure a prosperous future. If you’re ready to explore your options, visit our website and start planning today.

Enrique Rivera.jpg


Owner of Cosi Agency LLC. Your premier independent insurance broker dedicated to simplifying the complex world of Medicare insurance in Colorado.

Share this article