Divorce can be a challenging time for couples, both emotionally and financially. Along with the division of assets and property, it’s essential to understand how the divorce affects your Social Security benefits, especially if you have been married for a long time. As a divorced spouse, you may be eligible for Social Security benefits based on your former spouse’s earnings.
Social Security for a Divorced Spouse – Eligibility and Rules
To qualify for Social Security benefits as a divorced spouse, the following conditions must be met:
- You were married to your former spouse for at least ten years
- You are currently unmarried
- You are 62 years of age or older
- Your former spouse is entitled to Social Security retirement or disability benefits.
If you meet the above criteria, you may be eligible for up to 50% of your former spouse’s Social Security benefits. However, if you remarry, you will no longer be eligible for benefits based on your former spouse’s earnings.
How Social Security Benefits are Calculated for a Divorced Spouse
The amount of Social Security benefits you receive as a divorced spouse depends on your former spouse’s earnings record. You will receive up to 50% of your former spouse’s full retirement benefit, but this amount will be reduced if you receive benefits before your full retirement age.
Applying for Social Security Benefits as a Divorced Spouse
To apply for Social Security benefits as a divorced spouse, you must provide proof of your marriage, divorce, and age. You will also need your former spouse’s Social Security number and proof of their retirement or disability benefits. You can apply for benefits online or at your local Social Security office.
Next Steps
Divorce can significantly impact your Social Security benefits, but as a divorced spouse, you may still be eligible for benefits based on your former spouse’s earnings. Understanding the eligibility and rules of Social Security benefits for a divorced spouse is essential to make informed decisions about your financial future. Contact your local Social Security office for more information if you have questions or need assistance.
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Frequently Asked Questions
Can I receive Social Security benefits as a divorced spouse if my former spouse has not yet retired?
Yes, you may be eligible for benefits if your former spouse is 62 years old and entitled to retirement or disability benefits.
Can I receive Social Security benefits as a divorced spouse if my former spouse has passed away?
Yes, you may be eligible for survivor benefits if your former spouse has passed away and you were married for at least ten years.
Can I receive Social Security benefits as a divorced spouse if my former spouse is still working?
Yes, you may be eligible for benefits even if your former spouse is still working and has not yet retired.