Calculating the spousal benefit for a spouse who also has their own Social Security benefit is an important process to understand. Your own Social Security benefit and your spousal payment are NOT calculated the same when it comes to reductions for filing early or increases for filing later.
Knowing the correct way to calculate your spousal benefits in this situation isn’t something that a rare few need to worry about. According to the Congressional Research Service, there are 3.2 million individuals who are entitled to a social security benefit from their own work as well as a spousal benefit.
This situation is referred to as “dual entitlement” to benefits. In this article, we’ll dive into calculating spousal benefits with dual entitlement so you’ll be able to accurately plan the amount of benefits you can expect to receive.