Hey! Did you know your marital status can have a big impact on your Social Security benefits?

If you’re married, you may have the option to receive the greater of your own benefits or up to half of your spouse’s Social Security benefits.

If you're divorced and the marriage lasted for at least 10 years, you may still be able to receive either the greater of your own benefits or half of your ex-spouse's benefit.

Widows and widowers are entitled to collect Survivors Benefits starting at age 60.

For two-income households, many financial advisors recommend the higher-earning spouse delay claiming as long as possible. This could result in a larger benefit amount for either or both parties.

Finally, if you plan to continue working while collecting Social Security, some of your benefits may be withheld if you begin collecting before full retirement age. Once you’ve reached that age, however, you can work as much as you want and still enjoy your full benefits.

Your tax advisor can help you ensure you’re doing everything you can to maximize your benefits. For more information, visit us at southernbank.com/financial-wellness.

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