Why You Might Not See the ‘Start Your Application’ Button for Spousal Benefits

I ran into a Social Security situation the other day and I was surprised about what happened. I had a client who was planning on taking a spousal benefit and I thought we could do the application online. When they came to our office for our appointment, we helped them log in and I couldn’t see the “start your application” button. Was it not showing because she didn’t have enough work history? Can you not do a spousal benefit application online anymore? Thank you for all of the great content about Social Security! I’m so glad I took your course.

Thank you for your kind words, and I’m glad you found the course helpful! Here’s some insight into the situation you encountered:

1. Why the ‘Start Your Application’ Button Didn’t Appear:

   • Already Drawing Benefits: If your client is already receiving their own Social Security benefit, they won’t see the option to start a new application for spousal benefits in their online account. This is because the system doesn’t allow a new application to be started from the account if benefits are already being drawn.

2. Filing for Spousal Benefits Online:

   • Application Process: Your client can still file for spousal benefits online by visiting the Social Security Administration (SSA) home page and selecting the “Apply for Benefits” link under the Apply heading. This process will eventually require them to log into their account, but it will direct them straight to the application page.

3. If Receiving Own Retirement Benefits:

   • In-Person Application Required: If your client is already receiving their own retirement benefit, they won’t be able to file the spousal application online. Instead, they’ll need to call the SSA’s 800 number and make an appointment to file with a representative at their local office.

In summary, the absence of the ‘Start Your Application’ button is likely due to your client already receiving benefits. They can still apply for spousal benefits, but they’ll need to follow the proper steps, either online or through an appointment with SSA.

The content on this blog is for informational purposes only and is not legal, financial, or professional advice. Social Security rules change periodically, so some information may become outdated. For the most accurate advice, consult a certified National Social Security Advisor (NSSA®). Social Security Professionals, LLC, and NSSA® are not responsible for any errors, omissions, or actions taken based on this blog's content. Use of this blog does not create a client relationship, and all information is provided "as is" without guarantees. By using this blog, you agree to hold Social Security Professionals, LLC, and NSSA® harmless from any claims or liabilities arising from its content. For personalized guidance, contact an NSSA® professional.