1 Key Social Security Benefit Working Couples Often Overlook

Social Security has helped millions of families make ends meet during retirement, but there's still a lot of confusion about Social Security benefits. For instance, many married couples aren't clear on one essential benefit that's available to them, mistakenly believing that if both spouses work, that benefit isn't available to them.

In the following video, Dan Caplinger, The Motley Fool's director of investment planning, discusses spousal benefits and how they can be useful for all married couples. Dan notes that most people think of the spousal benefit as something that a non-working spouse takes, with two-income couples generally doing better to take benefits based on their own work histories. But Dan runs through some scenarios in which taking spousal benefits in conjunction with and as a supplement to your own benefits can actually boost the total amount you receive from Social Security. With the opportunity to get more from Social Security, Dan recommends looking more closely at your spousal benefits and understanding what you're entitled to from Social Security.

Learn more about Social Security
Spousal benefits aren't the only area of Social Security that trips up retirees and other benefits recipients. Get the information you need to make an informed decision about your benefits options by reading our brand-new free report, "Make Social Security Work Harder For You." Inside, our retirement experts give their insight on making the key decisions that will help ensure a more comfortable retirement for you and your family. Click here to get your copy today.

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  • Report this Comment On December 21, 2013, at 7:49 PM, beezer wrote:

    Yes, I was getting spousal benefits, til SSA, as reported by me found out I was getting a pension from the county I worked in(10 years) for $300.00 a month. What is that? who can live off $300.00 a month. They cut my spousal benefits a $100.00., A month. How do I appeal this?

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Dan Caplinger

Dan Caplinger has been a contract writer for the Motley Fool since 2006. As the Fool's Director of Investment Planning, Dan oversees much of the personal-finance and investment-planning content published daily on With a background as an estate-planning attorney and independent financial consultant, Dan's articles are based on more than 20 years of experience from all angles of the financial world.

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