What is the maximum percentage of a worker's PIA that an eligible spouse can receive as a share of the worker's retirement benefit?

An eligible spouse can receive up to 50% of a worker's Primary Insurance Amount (PIA) as their spousal benefit upon the worker's retirement. This figure represents the maximum percentage that the Social Security Administration permits for the spousal benefit, ensuring that a spouse can have adequate support based on the earnings of the working partner. The spousal benefit is designed to provide financial security for non-working or lower-earning spouses, reflecting the collaborative nature of many households in terms of income and support.

In contrast, the other percentages presented do not align with the Social Security regulations regarding spousal benefits. For instance, 75% and 100% would exceed the maximum spousal benefit threshold, while 25% does not fully utilize the benefits available to spouses under the Social Security framework. Therefore, understanding the framework of spousal benefits under Social Security is key in recognizing the support structure it aims to provide.