Making the most of your retirement planning is essential and RSDI can contribute to boosting your finances. Social Security benefits can be available as a spouse and as a divorced spouse. What is more, if you are eligible for retirement and spouse’s benefits, you must apply for the 2 of them.
Then, as a result, you will receive a combined Social Security benefit. This is great because it equals the higher spouse’s amount. However, there are a few requirements you must meet in 2025. Divorced spouses whose marriage lasted for a minimum of 10 years may also get family benefits.
Social Security RSDI for spouses
It is a great idea to check your eligibility for spousal benefits if you have not earned enough work credits on your own record. Sometimes you qualify for retirement benefits but they are too small.
Then, it is necessary to check the requirements to get this Social Security spousal benefit:
- your spouse or ex-spouse must be receiving benefits to get Social Security on their record
- you must be at least 62 years old or
- any age if your child is under 16 and you are taking care of him/her or
- any age if your child has a disability and is receiving benefits on your spouse’s record
Social Security average amount for spouses RSDI
The Social Security Administration’s spousal benefit could be up to 1/2 the amount your spouse is eligible to receive at Full Retirement Age. RSDI benefits are about $1,980 on average for retired workers.
However, a spouse receives about $932 on average as of February 2025. Some spouses may get Social Security Disability Insurance on their spouse’s record. SSDI can give workers with a disability about $1,580 on average, and spouses can get about $433.
The lowest average payment RSDI recipients get is for survivors. Here are all the possible amounts:
- Widowed mothers and fathers $1,304.62
- Nondisabled widow(er)s $1,837.16
- Disabled widow(er)s $951.67
