Millions of Americans rely on Social Security retirement benefits to provide a financial safety net in their golden years, making it one of the country's most important social programs. It's also a well-earned reward after years of paying Social Security taxes from virtually every paycheck.

Although Social Security retirement benefits are based on people's work history, not everyone has worked or earned enough to receive a substantial benefit. Luckily, Social Security retirement benefits aren't solely for those who have worked and paid taxes through the years. Social Security allows spousal benefits to support non-working or low-earning spouses in retirement.

For any couple nearing retirement and considering this as an option, here are three things you should know about Social Security spousal benefits.

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Source Fool.com