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':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":P,u=n.panel.headerMsg?"":" "+P,d=c?R:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 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Gt(e,o.submitSearchBtn,m(m({},Kt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(jt.tooltip," ").concat(jt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Jt="_yb_tdk4ba",Vt="_yb_hkd17a",$t="_yb_rtzclf",Xt="_yb_tdbhj6",Zt="_yb_de52ef",Qt="_yb_9hwrey",en="_yb_slc8ta",tn="_yb_bf0svp",nn="_yb_hjic9z";be("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Jt)),moreBtn:document.querySelector(".".concat(Vt)),wrap:document.querySelector(".".concat(Xt)),moreSectionTitle:document.querySelectorAll(".".concat(Zt)),editionsCtaBtn:document.querySelector(".".concat(Qt)),editionsMenu:document.querySelector(".".concat(en)),closeBtn:document.querySelector(".".concat(tn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new 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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Kailey Hagen, The Motley FoolSat, Sep 20, 2025, 7:00 PM 5 min readYou'll receive a spousal benefit if you're married and the spousal benefit amount is higher than the retirement benefit you qualify for.You qualify for your maximum spousal benefit at your full retirement age (FRA).Ex-spouses may qualify for a spousal benefit if the marriage lasted 10 or more years.The $23,760 Social Security bonus most retirees completely overlook ›Social Security spousal benefits could give your household a much-needed financial boost in retirement. With the average check around $955 per month as of August 2025, these benefits aren't enough to live on on their own, but when paired with your partner's retirement checks, Social Security could cover a sizable chunk of your expenses.All you have to do to claim a spousal benefit is wait for your partner to apply and then sign up yourself. But if you hope to maximize your checks, you'll need to avoid falling prey to the following three common misconceptions as well.Image source: Getty Images.It's possible to qualify for a spousal benefit even if you've never worked a day in your life. As long as you've been married for at least one year, have a child with your spouse, or qualified for Social Security or railroad retirement benefits in the month before your marriage, you're eligible provided your spouse qualifies for retirement benefits. To do this, they'll need to have worked long enough to earn 40 credits, where one credit equals $1,810 in earnings in 2025 and you can earn a maximum of four credits per year.It's possible to qualify for both retirement and spousal benefits if you worked as well. But the Social Security Administration only pays you an amount equal to the larger of the two benefits. For example, if your own retirement benefit is $2,000 and your spousal benefit is $1,000, you'd get the retirement benefit. But if the numbers were switched, you'd get the $1,000 that represented your own retirement benefit, plus another $1,000 of your spousal benefit for a total of $2,000.So it's possible that you could receive a spousal benefit even if you also qualify for a retirement benefit. It depends on how your earnings history compares to your spouse's. Your age at sign-up matters, too.You must wait until your full retirement age (FRA) to get the whole retirement or spousal benefit you qualify for per check. This is 67 for most workers today. Claiming early reduces your retirement benefit by 5/9 of 1% per month for up to 36 months and then by 5/12 of 1% per month thereafter, for a total loss of up to 30% for those who apply as soon as they become eligible at 62. Spousal benefits see an even steeper early claiming penalty at 25/36 of 1% per month for up to 36 months before dropping to 5/12 of 1% per month. 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