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.

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.

Lawmakers have options they can explore to prevent an unwanted scenario. But it's important to brace for cuts if you're already retired.