Social Security Changes 2025 Both Spouses Benefits. Eligible spouses can claim up to 50% of the primary earner’s benefit. Cola increases are applied to both primary and spousal benefits.
In 2025, social security spousal benefits will undergo a transformation that will change how beneficiaries optimize their retirement earnings. If you’re eligible for retirement and spouse’s benefits, you must apply for both, and you’ll receive a combined benefit equaling the higher spouse’s amount.