How Social Security Spousal Benefits Work and What They Mean for Your Retirement

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Social Security spousal benefits allow a spouse to claim up to 50% of their partner's full retirement benefit, which can boost your household income even if you never worked or earned less. This matters for retirement because timing is key: you can't claim spousal benefits until your partner files, and your own benefit might be higher. Typically, you must wait until your full retirement age to get the full spousal amount, though you can start earlier with a permanent reduction. Understanding th…