One of the best benefits of Social Security is that individuals can receive benefits based on their partner's work history, known as spousal benefits. With Social Security spousal benefits, someone is eligible to receive up to 50% of their spouse's PIA, assuming they claim benefits at their FRA.

If you want to do your own calculations, you can check your estimated benefit at different ages with your Social Security Administration account.

Millions of Americans rely on Social Security benefits to make ends meet, and knowing the strategies to maximize these payments is crucial for a secure retirement.