How does marriage impact benefits? Marriage will not change your retirement benefit, but your spouse may be eligible to collect spousal benefits based on your earnings record. Collecting a spousal benefit will not have an impact on the other spouse’s retirement benefit amount. Remarriage does not change your retirement benefit either. However, if you were collecting a spousal benefit prior to the remarriage, you will no longer be able to collect off of your ex-spouse.
Can children qualify for Social Security benefits? Yes, children may be eligible to receive Social Security benefits. When a parent receives Social Security retirement or disability benefits, their child may also receive benefits. Also, when a parent dies, their child may receive benefits. The child can be a biological child, an adopted child, or a stepchild. To qualify for benefits, the child must be unmarried and younger than 18 (or is a student or is disabled).
What is the benefit amount for a child? A qualifying child may receive up to 50 percent of the parent’s full benefit or up to 75 percent of the parent’s full benefit if the parent is deceased.
What is the family maximum benefit? The family maximum benefit is the maximum monthly amount a family can collect from Social Security based on the earnings record of one family member. There is a special calculation used to compute the family maximum benefit. The total amount you and your family can receive is usually about 150 to 180 percent of your full retirement benefit.
Learn more about family benefits.