To qualify for Social Security spousal benefits, it's not enough to be over the minimum age of 62 while married to a worker who is collecting a retired worker benefit. You have to be married for at least one year before you can claim a spousal benefit based on your partner's work history.

A letter about reduced spousal Social Security benefits may seem concerning, but for those who are ‘doubly eligible,’ it often reflects a standard adjustment—not a loss.

One of the most important parts of the program, especially for married couples, is Social Security spousal benefits.