One of the best social programs the U.S. offers is Social Security. For millions of Americans, Social Security benefits make up a lot of their income in retirement and act as a financial safety net. Social Security retirement benefits are well-earned, too. After years of paying Social Security taxes, it's a way for people to benefit on the back end of their careers.

Generally, Social Security determines someone's monthly Social Security benefit using a formula that considers the 35 years when their earnings were the highest. However, that's not the only way for someone to receive Social Security retirement benefits. You can also claim benefits based on a spouse's earnings record.

For couples considering Social Security spousal benefits, here are three things you should know.

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Source Fool.com