The two non-negotiable factors to qualify for Social Security spousal benefits are: the qualifying spouse currently receiving retirement benefits. From there, one of the following must also apply: You're at least 62 years old. You're caring for a child under age 16. You're caring for a child with a disability that began before age 22.

Social Security is a major source of income for 74M Americans — but how far does the average check go? See average benefits by age and gender, how its calculated and making the most of your money. Updated for July 2025.