Several weeks ago, I wrote a column explaining benefits that are payable to spouses. And by spouses, I almost always am referring to a wife and the benefits she might be due on her husband’s Social Security record. And whenever I write such a column, my inbox is immediately flooded with emails from women who think they are being cheated out of spousal benefits. Somehow, they always misread what I have written. They think I am saying that every woman should be getting her own Social Security benefits and something extra off her husband’s record. That is not what I am saying. In fact, usually just the opposite is true. If you are a woman who has worked most of her life, it is highly likely that once you reach retirement age, you will just get your own Social Security benefit. You won’t be due anything on your husband’s record—at …