Many retirees rely on Social Security benefits, which are typically based on their own work history, reflecting a percentage of their highest 35 years of earnings. However, some opt to collect spousal benefits, available to married individuals or those divorced after at least 10 years without remarriage. These benefits can be vital for those with lower personal earnings, but understanding their nuances is crucial. Couples should be aware of essential information regarding spousal benefits to maximize their retirement income.
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