2. You can also qualify if you don’t work
Social Security takes care of spouses or ex-spouses who never worked and instead stayed at home to start a family (or opted out of the workforce for some other reason). If you are or were married to someone who qualifies for Social Security, you may be entitled to a partner’s benefit equal to 50% of what your current or former spouse receives each month.
3. You get flexibility about when you can archive
You are entitled to your full Social Security benefits based on your income history once you reach full retirement age or FRA. That age is 66, 67, or somewhere in between, depending on when you were born.
But you can claim Social Security as early as age 62, if you wish. For each month you claim benefits before FRA, those benefits are reduced. But you still get the choice to get your money earlier. That may mean applying as soon as you qualify, or applying for benefits at age 65 in conjunction with Medicare enrollment.