Can You Get Your Ex-Spouse’s Social Security?
Divorce can be a complex and emotional process, and it often raises many questions about the future. One common concern that many individuals have after a divorce is whether they can receive their ex-spouse’s Social Security benefits. In this article, we will explore the rules and regulations surrounding this issue, providing you with a comprehensive understanding of your rights and options.
Eligibility for Ex-Spouse’s Social Security Benefits
To be eligible for your ex-spouse’s Social Security benefits, you must meet certain criteria. Firstly, you must have been married to your ex-spouse for at least ten years. Additionally, you must have been divorced for at least two years before you can start receiving benefits. It’s important to note that the marriage must have ended due to divorce, annulment, or the death of your ex-spouse.
Age and Work Requirements
Another important factor to consider is your age and work history. You must be at least 62 years old to receive benefits, but you can start receiving them as early as age 60. Moreover, you must have worked and paid into Social Security during your marriage to your ex-spouse. The number of credits you’ve earned will determine your benefit amount.
Divorce and Remarriage
If you remarry after receiving benefits from your ex-spouse, your benefits may be affected. If you remarry before the age of 60, you will lose your eligibility for your ex-spouse’s benefits. However, if you remarry after the age of 60, you can still receive benefits from your ex-spouse without any interruption.
Calculating Your Ex-Spouse’s Benefits
When calculating your ex-spouse’s benefits, the Social Security Administration will compare the benefits you are entitled to based on your own work history with the benefits you would receive from your ex-spouse. The higher of the two amounts will be the one you will receive.
How to Apply for Ex-Spouse’s Benefits
To apply for your ex-spouse’s Social Security benefits, you can visit the Social Security Administration’s website, call their toll-free number, or visit your local Social Security office. You will need to provide proof of your marriage, divorce, and age, as well as your Social Security number.
Conclusion
In conclusion, it is possible to receive your ex-spouse’s Social Security benefits under certain circumstances. By understanding the eligibility requirements, age and work history, and the impact of remarriage, you can make informed decisions about your future. If you have any questions or concerns, it is advisable to consult with a Social Security expert or attorney to ensure that you receive the benefits you are entitled to.
