The maximum possible benefit is $5,108 per month for those who delay claiming Social Security until age 70. Opting to take your benefits at 62 reduces the maximum to $2,831, while waiting until the full retirement of 67 increases it to $4,018.

Key Points The earliest you can file for spousal benefits is at age 62. You could qualify for benefits equal to 50% of your spouse's amount.If you're divorced, you may still qualify for benefits based on an ex-spouse's work.