If you’re married, you have a choice: You can either take the benefit based on your work history, or half your spouse’s benefit. So if your spouse earned a lot more than you did, and has a higher benefit as a result, compare and see which will pay the most.
You can also claim Social Security benefits based on an ex-spouse’s work record if you were married for at least 10 years. Doing so doesn’t reduce their check or otherwise impact them. In fact, they’ll never know you applied.
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: 10 Social Security Myths Exposed 8 Surprising Truths About Retirement 10 Money Mistakes That Can Ruin a Marriage The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.