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Average monthly benefit is around $901, increasing to $1,011 with cost-of-living adjustments.
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Eligibility for spousal benefits includes being at least 62, or caring for a minor child of the qualifying worker/spouse.
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Spousal benefits available for current or former spouses married for at least 10 years, with specific conditions for divorce.
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Social Security benefits calculated based on a worker's 35 highest-earning years, adjusted for inflation.
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Worker's average indexed monthly earnings (AIME) is used to calculate the primary insurance amount (PIA).
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Maximum spousal benefit is half the worker's PIA; penalties apply for early claiming.
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Calculating spousal benefits involves knowing the spouse's PIA and using the my Social Security account for estimation.
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Next steps