The “Child-in-Care” Spousal Benefit: Claiming Before 62
Confused by Social Security?
We usually say you can’t claim spousal benefits until age 62. But if you care for a child under 16, the rules change.
How It Works
If one spouse files for retirement, the other spouse (any age) can collect a benefit if they are caring for the child. The child also gets a benefit.
The “Family Max” Limit
There is a cap (150-180%) on the total family benefit. We calculate this to see if benefits will be reduced.
Why This Is a Strategic Lever
For older parents, this additional income can bridge the gap until the younger spouse reaches retirement age.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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