Ask Terry Questions Social Security Spousal Benefits

Social Security Spousal Benefits

By Terry Savage on May 26, 2025 | Social Security

Hi Terry,

My wife is a retired IL grade school teacher. She draws a pension. She also has 30 social security credits. I have been drawing social security benefits for 3 years.

I have heard that my wife can now apply for social security benefits in her own name, which would be in addition to her pension. Is this true?

Thank you

Terry Says

Yes, she can. Or she can apply for half of yours –= whichever is larger. To find out, you might want to go to www.MaximizeMySocialSecurity.com and insert your info. It will tell you how much she is entitled to –and whether she should apply for half your benefit. It costs $49, but is well worth it so you know the right answer BEFORE you ask SS!

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