The article emphasizes the relevance of Social Security spousal benefits, which are available to eligible current or former spouses of those who qualify for retirement benefits. It highlights that spousal benefits can be critical for individuals who have not worked long enough to earn benefits on their own, as they may receive up to 50% of their spouse's benefit. Additionally, even those who have a work history may still opt for spousal benefits if they exceed their individual entitlement. Such complexities often lead to confusion, as illustrated by a couple's situation expressed in a Reddit post.
Social Security also pays spousal benefits, which can provide significant financial support for retirees, enhancing overall retirement income.
Many eligible recipients may not realize how spousal benefits fit with their retirement planning, which is crucial for maximizing Social Security benefits.
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