January 12, 2026 7:30 pm EST
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Sean Locke Photography / Shutterstock.com

You might assume that when you file for Social Security, the government automatically gives you the biggest check possible. That’s a dangerous assumption. For millions of married couples, relying solely on their own work record could mean missing out on substantial income. There is a specific provision — often called the “spousal benefit” — that allows a lower-earning spouse to collect checks…

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