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.

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

If you're divorced, you can often get Social Security benefits based on your ex-spouse's work record. Know the rules about when and how you can claim.