Social Security Spousal Benefits

Can you claim a spousal Social Security benefit now and switch to your own later?

In this episode, Matt breaks down why, for most people, the answer is no. Thanks to a rule called deemed filing, anyone born on or after January 2, 1954, automatically applies for both their own and their spouse's benefits at the same time and receives the higher amount. That means the old strategy of claiming one benefit first and switching later is off the table.

Listen to learn how timing, strategy, and informed decisions can make a big difference in your Social Security benefits and your long-term financial well-being.