Short Form The Social Security Spousal Benefit Most Married Couples Never Claim Correctly

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 1 - Short 12

TITLE: The Social Security Spousal Benefit Most Married Couples Never Claim Correctly

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

If you are married and your own Social Security benefit is significantly lower than your spouse's, you may be eligible for a spousal benefit worth up to 50 percent of your spouse's full retirement age benefit.

Here is how it works. If your own benefit at full retirement age is $900 per month and your spouse's full retirement age benefit is $2,800, your spousal benefit would be $1,400, which is 50 percent of $2,800. Since $1,400 is higher than your own $900, you would receive $1,400.

The spousal benefit does not increase if you delay past your full retirement age. Delaying to 70 increases your own benefit by 8 percent per year, but it does not increase the spousal benefit. So if your own record is always going to be lower than 50 percent of your spouse's benefit, delaying past your full retirement age on your own record may not help you.

There are rules around timing. You generally cannot claim a spousal benefit until your spouse has filed for their own benefit. And if you claim spousal benefits early before your own full retirement age, the benefit is reduced.

This calculation depends entirely on both people's benefit amounts and ages. Run the numbers before you file anything.

Link in my bio.

PRODUCTION NOTES

Specific and concrete. This is a genuine information gap that affects many viewers. The example makes the math real.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - Social Security Spousal Benefit - Short - Week 1