At what age can you begin to take spousal benefits?

You can begin to take spousal benefits at age 62. This benefit allows a spouse to receive a portion of the other partner's Social Security benefits, provided that the primary worker has already filed for their own Social Security benefits.

It's important to note that if you start receiving spousal benefits at age 62, the amount received will be reduced compared to what you would get if you wait until reaching full retirement age. The full retirement age for spousal benefits varies depending on the year of birth but generally falls between ages 66 and 67. This key detail emphasizes that starting benefits early can lead to lower overall payments, which is crucial for individuals planning their retirement income strategy.