Don’t assume marriage automatically means spousal Social Security benefits—there are strict rules that can slash or erase your payout if you miss them. Claiming early (before full retirement age, 67) reduces your benefit permanently; exceptions exist if you have a child under 16 or a disabled child under 22. Jail time over 30 days stops payments forever. Divorced spouses need at least 10 years of marriage to qualify—and remarriage resets the clock. Also, you must be currently unmarried to claim based on an ex-spouse’s record. Know these rules before retirement—or risk losing out on critical income.
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