I don’t think I coined the term. But I may have helped spread it around the world of Social Security. I’m referring to the “spousal bump.” Every time I hear it, it makes me chuckle. It sounds like some “dirty dancing” move by an old married couple in a shady nightclub! But of course, I know that’s not what the spousal bump is. It is a term that refers to the extra benefits a wife would get as a spouse on her husband’s Social Security record.
I’ve written past columns about this issue. But I continue to get questions from readers about it. And let me point out that the questions always involve the benefits a wife can get on her husband’s record. Even though Social Security laws are gender neutral, society hasn’t been. A husband’s own Social Security benefit is almost always higher than his wife’s own Social Security benefit. So a wife is much more likely to qualify for a bump on her husband’s record. But if you happen to live in a household where the wife makes more money than the husband, then it’s the guy who could be eligible for the extra benefits. Anyway, here are a couple of recent questions about the so-called spousal bump.
