Divorced? You May Be Eligible for Social Security from Your Ex’s Earnings!

Race Day Live  Most people qualify for Social Security by working and paying into the system. But even if you never worked, you might still be eligible for Social Security benefits—especially if you were married to someone who did.

If you’re divorced, you may be able to claim Social Security based on your ex-spouse’s earnings record. However, certain rules apply.

Understanding these rules can help you maximize your benefits and ensure financial security in retirement.

Who Qualifies for Spousal Benefits After Divorce?

To claim Social Security based on your ex-spouse’s record, you must meet these conditions:

• Your marriage must have lasted at least 10 years.
• You must be at least 62 years old to apply.
• You cannot be remarried (in most cases).
• Your ex-spouse must be eligible for Social Security benefits.

If you have been divorced for at least two years, you can claim benefits even if your ex has not started collecting Social Security yet.

How Much Can You Receive?

Spousal benefits are up to 50% of what your ex-spouse is entitled to at their Full Retirement Age (FRA). However, if you claim benefits before reaching your own FRA, the amount will be permanently reduced.

Unlike regular Social Security benefits, delaying your claim past FRA will not increase the spousal benefit. Once you reach FRA, you should file immediately, as there is no financial benefit to waiting longer.

Does Remarriage Affect Your Benefits?

If you remarry, you lose the right to claim Social Security benefits on your ex-spouse’s record. Instead, you may become eligible for benefits based on your new spouse’s earnings record.

However, if your ex-spouse remarries, it does not impact your ability to claim benefits on their record. Your claim does not reduce or affect the benefits they or their new spouse receive.

What If You Qualify for Social Security on Your Own?

If you worked and qualified for Social Security on your own, you will only receive the higher amount between your benefit and your spousal benefit. You cannot collect both.

For example:

• If your benefit is $1,400 per month and your spousal benefit would be $1,450 per month, you will receive the higher amount ($1,450), but not both payments.
• If your benefit is higher than 50% of your ex’s benefit, then Social Security will pay you your benefit instead.

Read More:

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When Should You Claim Social Security?

Choosing when to file for Social Security is a big decision. If you claim early (before your FRA), your monthly payments will be lower for life. On the other hand, waiting until FRA ensures you get the full amount.

If you’re unsure about when to claim, talking to a financial advisor can help. They can assess your situation and recommend the best time to file for Social Security to maximize your income.

Key Takeaways

• You can claim Social Security benefits on your ex-spouse’s record if you were married for at least 10 years.
• You must be 62 or older and not remarried to qualify.
• Your benefits are up to 50% of your ex’s benefit at Full Retirement Age.
• If you qualify for Social Security on your own, you will receive the higher of the two amounts—but not both.
• Timing matters! Filing early means reduced benefits, while waiting until FRA ensures you get the maximum amount.

Social Security can be a key source of income in retirement. Knowing your options, especially after a divorce, can help you secure the financial stability you need. If you’re eligible, make sure to claim your benefits wisely!

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