Social Security spousal benefits allow someone to receive up to 50% of their partner's PIA. However, similar to standard benefits, claiming spousal benefits before your FRA will also permanently reduce them. The only difference is by how much.

If you'd rather not apply online, you can call the Social Security Administration at 800-772-1213 to set up an appointment to apply for benefits. The agent will schedule the appointment and let you know whether you can do it over the phone or if you'll need to go to a local branch to apply.