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make the right choices about when Social Security benefits will be claimed so you don't end up with less lifetime income.The $23,760 Social Security bonus most retirees completely overlook ›Many retirees collect Social Security benefits based on their own work record, with their monthly payment equal to a percentage of their average wages over the highest-earning 35 years of their career. Some people don't do that, though. Some collect spousal benefits instead.Spousal benefits are available based on a spouse's work record, and you can collect them if you are married or if you have divorced after a marriage lasting at least 10 years (and not remarried). These spousal benefits can be a critical source of income for people who didn't earn a ton of money in their own paychecks, but there are a lot of nuances to how they work that can affect the amount of income they bring in.Since spousal benefits could be critical to helping support you in your later years, there are three things every couple needs to know about them.Image source: Getty Images.The first thing to know is that spousal benefits can be worth a lot of money. You could receive up to 50% of your husband's or wife's standard benefit if you claim Social Security spousal benefits.The key, though, is "up to." You could shrink the amount of spousal benefits you collect if you claim before your Full Retirement Age. So, although you become eligible to start these payments at 62, doing so would shrink them considerably.It's also worth noting that if you delay longer than your FRA, you do not increase spousal benefits by earning delayed retirement credits. This works differently than if you claimed Social Security retirement benefits on your own work history.If you are getting your own retirement benefits, you increase them by 2/3s of 1% per month for each month you wait beyond FRA until 70. But delayed retirement credits cannot be earned on spousal benefits, so there's no real benefit in waiting beyond your FRA to claim them -- provided you're eligible to start at that time.The next key thing that you need to know is that even if you are entitled to spousal benefits, you can't just claim them whenever you want. You have to be at least 62, for one thing, unless you have a qualifying child in your care. 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