Social Security spousal benefits are a key income source for many retirees, but the rules can be complex. Maximum spousal benefits are 50% of what your spouse receives at full retirement age. Claiming early can permanently reduce benefits, while waiting past full retirement age offers no growth. You can’t collect spousal benefits on top of your own, and if you’re divorced, you don’t need to wait for your ex-spouse to file. Understanding these rules is crucial for retirement planning. Additionally, little-known “Social Security secrets” could boost your retirement income by $23,760 per year.

Read more at Nasdaq, Inc.: 4 Things You Need to Know About Social Security Spousal Benefits in 2026