The more aware you are of how spousal benefits work, the easier it is to make the most of them.

You don't want to sign up without at least considering this first.

Age 62 is the earliest age to sign up for Social Security. If your full retirement age is 67, filing at 62 will mean slashing your benefits by 30% for life. If Social Security is extra money for you ...

Claiming Social Security at 62 will reduce your monthly retirement benefit by up to 30% and your spousal benefit by up to 35%. If you're still working, you could lose more benefits to the earnings ...