When it comes to Social Security, most people think their only real choice is when to start claiming benefits. But there’s another decision many couples overlook—or misunderstand entirely: Should you claim your own Social Security check or take your spouse’s instead?
On paper, spousal benefits seem like a smart backup plan. If your own earnings were modest or inconsistent, tapping into your higher-earning spouse’s Social Security sounds like a way to close the gap. And for many, it can be. But that doesn’t mean it’s always the smartest (or safest) move.
