Gap in Social Security: Spousal Benefits
While most believe that you have to work a certain number of years to receive Social Security benefits, there is a loophole that seniors can use to make money without ever having to work a day in their lives.
Spouse Social Security benefits add up to 50 percent of a partner’s benefits once you reach full retirement age.
However, if your spouse applies for benefits early, you will both receive reduced benefits from then on.
The only exception is if you are caring for an eligible child. In this case, the benefits will not be reduced.
If you’ve worked and qualified for your own Social Security account, you’ll get the higher of the two options.