databutler.dev · /facts — every fact · Verified Facts protocol · /.well-known/facts.json · /changes

Early-retirement reduction of the spouse benefit, each month beyond the first 36

5/12 % of spouse benefit per month (a fraction of 1%)

2026, from 2026-01-01 · verified 2026-10-31 against the official source · next expected change 2027-01-01

The percentage reduction is 25/36 of 1% per month for the first 36 months and 5/12 of 1% for each additional month.
key
us/social-security-benefits/early-reduction-spouse-additional-months
value
5/12 % of spouse benefit per month (a fraction of 1%)
period
2026
effective
2026-01-01 to date
source
https://www.ssa.gov/oact/quickcalc/earlyretire.html
verified
2026-10-31 — fresh (6 days ago; next check by 2026-11-01)
next expected change
2027-01-01 (annual: a fixed day each year)
scope
Benefit rules read from ssa.gov in a browser (ssa.gov answers 403 to automated fetches); the taxation amounts are from IRS Publication 915 (2025), the latest edition. Keys ending -2027 hold SSA figures already published for 2027; unsuffixed keys hold the 2026 value.
hash
sha256:204b8f9cdf27b7b5df89df7021ec4ec8eee9960b07640f0ba34ecc51a4edceb5
signature
EdDSA, key db-2026-10 — keys

As JSON

curl -s https://databutler.dev/f/us/social-security-benefits/early-reduction-spouse-additional-months?max_age=30d — schema; verify with npx verified-facts verify https://databutler.dev/f/us/social-security-benefits/early-reduction-spouse-additional-months

{
  "protocol": "verified-facts/0.3",
  "key": "us/social-security-benefits/early-reduction-spouse-additional-months",
  "label": "Early-retirement reduction of the spouse benefit, each month beyond the first 36",
  "value": "5/12",
  "unit": "% of spouse benefit per month (a fraction of 1%)",
  "period": "2026",
  "effectiveFrom": "2026-01-01",
  "effectiveTo": null,
  "source": "https://www.ssa.gov/oact/quickcalc/earlyretire.html",
  "quote": "The percentage reduction is 25/36 of 1% per month for the first 36 months and 5/12 of 1% for each additional month.",
  "verifiedDate": "2026-10-31",
  "nextScheduledRefresh": "2026-11-01",
  "changeCadence": "annual",
  "nextExpectedChange": "2027-01-01",
  "status": "fresh",
  "ageDays": 6,
  "maxAgeDays": null,
  "scope": "Benefit rules read from ssa.gov in a browser (ssa.gov answers 403 to automated fetches); the taxation amounts are from IRS Publication 915 (2025), the latest edition. Keys ending -2027 hold SSA figures already published for 2027; unsuffixed keys hold the 2026 value.",
  "hash": "sha256:204b8f9cdf27b7b5df89df7021ec4ec8eee9960b07640f0ba34ecc51a4edceb5",
  "signature": {
    "alg": "EdDSA",
    "kid": "db-2026-10",
    "jws": "eyJhbGciOiJFZERTQSIsImtpZCI6ImRiLTIwMjYtMTAifQ..7rzfm2xKcFcLIesycDN5HxHVsZBs0uJDDVpRbYPl9OX6GaCYv27zumjnKvB18Pj6XR3fZZVjp6f3vMbcYkEmDw",
    "keys": "https://databutler.dev/.well-known/jwks.json"
  },
  "publisher": {
    "name": "Data Butler",
    "url": "https://databutler.dev/"
  },
  "cite": {
    "url": "https://databutler.dev/facts/us/social-security-benefits/early-reduction-spouse-additional-months",
    "text": "databutler.dev, verified 2026-10-31 against https://www.ssa.gov/oact/quickcalc/earlyretire.html"
  }
}