Key Points Working while collecting Social Security can affect your benefits if you aren't yet at full retirement age. The rules about this are changing in 2026. You can work more next year while still getting your Social Security benefits, although you still need to know the limits. The $23,760 Social Security bonus most retirees completely overlook › When you think of retiring, you probably imagine sailing off into the sunset, relaxing on the golf course or the beach, or puttering around your h ...

There’s a reason that Social Security is called “the third rail of American politics” – as in, touch it and die. Most Americans – especially seniors – are fiercely protective when it comes to their retirement benefits. That sentiment is reflected in a Quinnipiac University national poll of adults that found 78% of respondents are opposed to proposals that would raise the full retirement age for Social Security benefits from 67 to 70. Opposition remained firm even when respondents were asked whether they w ...

社会保障配偶福利概述 - 配偶福利可为退休家庭提供财务支持 平均每月约955美元 需与伴侣的退休金结合使用以覆盖大部分开支 [1] 福利申请条件 - 申请配偶福利需等待伴侣先申请 然后自行注册 [2] - 即使从未工作也可获得配偶福利 需满足婚姻满1年、与配偶有子女或婚前已符合社保资格等条件 [4] - 配偶需积累40个工作积分（2025年每积分对应1,810美元收入 每年最多4分）才具备申请资格 [4] 双重福利领取规则 - 同时符合退休金和配偶福利资格时 社保局仅支付较高金额的一项 [5] - 若个人退休金低于配偶福利 可获个人退休金加差额部分（例如：个人1,000美元+配偶1,000美元=总额2,000美元） [5] - 最终领取金额取决于个人与配偶收入历史对比及申请年龄 [6] 申请年龄与金额影响 - 必须达到完全退休年龄（FRA）（目前多数为67岁）才能获得全额福利 [7] - 提前申请（最早62岁）将减少退休金：前36个月每月减少5/9 of 1% 之后每月减少5/12 of 1% 累计最高减少30% [7] - 配偶福利提前申请惩罚更重：前36个月每月减少25/36 of 1% 之后每月减少5/12 of 1% 累计最高减少35% [7] 资格认定扩展 - 已婚者若配偶福利金额高于个人退休金即可领取 [8] - 完全退休年龄时可领取最高配偶福利 [8] - 离婚配偶若婚姻持续满10年亦可符合资格 [8]