Speculation about the solvency of Social Security has become a national pastime of sorts, but whether that day arrives or not, workers still need to understand there are ways to maximize their Social Security benefits.

Claiming Social Security benefits isn't just about deciding whether you should claim your benefits at 62 or wait until your full retirement age. Most people, especially married couples, don't realize that Social Security offers individuals spousal, divorce and survivor benefits.

These options can get retirees thousands more in benefits if they play the Social Security game right.

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