Can Canadians Collect U.S. Social Security Spousal Benefits?
U.S. Spousal Social Security Benefits for Canadians: Eligibility, Filing Options, and the Cost of Waiting
For Canadians living in the United States, choosing when to claim Social Security involves understanding how each spouse’s filing decision affects the household’s retirement income.
In this video, Bryan Haggard, CFP®, CFA, explains spousal Social Security eligibility, lawful-presence requirements, how benefits are calculated, and how Canadian CPP fits into the discussion.
Using a hypothetical couple with one U.S. earnings record, Bryan compares filing at ages 62, 67, and 70. He examines monthly household income, the benefits forgone while waiting, and the cumulative breakeven ages. The video also explores different filing options and why survivor protection matters when evaluating the decision.
Watch the video here:
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