For millions of older adults, Social Security is a safety net in retirement. Around 21% of adults age 50 and older have no other retirement income outside of their benefits, a 2023 survey from the Nationwide Retirement Institute found. So it's wise to maximize your monthly checks.

Retirement benefits are the most common form of Social Security, but they're not the only type of benefit you may qualify for. If you're married or divorced, you could also be entitled to some form of spousal Social Security.

There are a few requirements you'll need to meet to qualify, and the amount you receive will depend on several factors. Here's your step-by-step guide to determining whether you're eligible and how much you can expect to collect.

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Source Fool.com