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What Are Social Security Spousal Benefits?

10/13/2019

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Married couple Photo by Samantha Gades on Unsplash
Leveraging more than two decades of experience in the finance industry, Darcy Bergen advises the public on how to make sound financial decisions through his educational workshops. Darcy Bergen specializes in strategies that maximize income while reducing tax burdens, including social security planning and collection strategies for individuals and couples.

Married couples and unmarried ex-spouses who were together for at least 10 years can qualify for Social Security spousal benefits. Spousal benefits are equivalent to half of the spouse’s benefit as of full retirement age.

After one partner turns 62, a qualifying ex-spouse can file for benefits. Currently, married couples must wait until one partner files for their own Social Security benefit before being eligible to receive spousal benefits.

While the recipient of the spousal benefit will have a lower total amount of Social Security paid out, filing for a spousal benefit doesn’t impact the amount of Social Security the retired spouse receives. However, waiting until 70 to collect Social Security can boost spousal death benefits by 32 percent.
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Hope for the Nations Celebrates 25 Years of Service

10/2/2019

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An accomplished financial advisor, Darcy Bergen is the founder and president of Bergen Financial Group. Darcy Bergen also serves as the treasurer of Bergen’s Mission, a nonprofit organization that partners with Hope for the Nations (HOPE) to provide emergency assistance, education, and housing to individuals and families in underserved communities around the world.

As HOPE celebrates 25 years of dedicated service, the organization is now active in seven regions: East Africa, Europe, North Asia, South Asia, The Americas, West Africa, and West Asia. In addition to its work in improving access to education, healthcare, and income, HOPE also aims to enrich the lives of people who are victims of natural disasters, conflicts, and wars.

HOPE has established the Ambassadors program to encourage long-term volunteers and fundraisers to sponsor a child or community and create projects that benefit children at risk.

Investment advisory services offered through Horter Investment Management, LLC, an SEC-Registered Investment Advisor. Horter Investment Management does not provide legal or tax advice. Investment Advisor Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Darcy Bergen. Securities transactions for Horter Investment Management clients are placed through E*TRADE Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.
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