3 Little-Known Social Security Rules All Married Retirees Should Know
The Motley Fool
by newsfeedback@fool.com (Maurie Backman)February 22, 2026
AI-Generated Deep Dive Summary
For married couples navigating retirement, understanding Social Security rules can make a significant difference in financial planning. The article highlights three lesser-known yet crucial rules that can help married retirees maximize their benefits and ensure long-term financial stability.
Firstly, the importance of coordinating Social Security claims between spouses cannot be overstated. By strategically timing when each partner begins claiming benefits, couples can often achieve higher combined lifetime income. This approach is particularly beneficial for higher-earning individuals, as it allows them to maximize their own benefits while ensuring their spouse receives the most favorable outcome.
Secondly, spousal benefits play a vital role in retirement planning. Each spouse is entitled to receive Social Security based on their partner's earnings record, provided they meet certain criteria such as being at least 62 years old and married for at least one year prior to claiming. This benefit can significantly enhance the household income during retirement.
Lastly, survivor benefits are a key consideration for married couples. If one spouse passes away, the surviving partner is entitled to receive Social Security based on the deceased's earnings record. These benefits can be particularly valuable if they exceed what the surviving spouse would otherwise receive based on their own work history.
Understanding these rules enables married retirees to make informed decisions about when and how to claim benefits, ensuring they optimize their financial security in retirement. This knowledge is essential for anyone looking to navigate Social Security effectively as a married couple.
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Originally published on The Motley Fool on 2/22/2026