Can I look up my ex-spouse’s social security benefits? This is a common question that many individuals ask after a divorce. Understanding how to access your ex-spouse’s social security benefits is crucial, especially if you were married for a significant period. In this article, we will explore the process of looking up your ex-spouse’s social security benefits and provide you with essential information to navigate this complex topic.
The Social Security Administration (SSA) offers benefits to eligible individuals, including ex-spouses. If you were married to your ex-spouse for at least ten years, you may be eligible to receive benefits based on their earnings record. However, it’s important to note that there are specific rules and requirements to qualify for these benefits.
Eligibility for Ex-Spouse’s Social Security Benefits
To be eligible for your ex-spouse’s social security benefits, you must meet the following criteria:
1. You were married to your ex-spouse for at least ten years.
2. You are currently unmarried.
3. You have not remarried, or if you have remarried, your current spouse has passed away.
4. You are at least 62 years old.
If you meet these requirements, you can apply for benefits based on your ex-spouse’s earnings record. However, it’s important to understand that your ex-spouse’s benefits will not be affected by your application. They will continue to receive their full benefits, and you will receive a percentage of their benefits based on your length of marriage.
How to Look Up Your Ex-Spouse’s Social Security Benefits
To look up your ex-spouse’s social security benefits, you have several options:
1. Online: The SSA provides an online tool called “My Social Security” that allows you to view your own benefits and check the status of your ex-spouse’s benefits. To access this tool, you must create an account and verify your identity.
2. By Phone: You can call the SSA at 1-800-772-1213 to speak with a representative and inquire about your ex-spouse’s benefits. Keep in mind that you may need to provide personal information to verify your identity.
3. In Person: You can visit your local SSA office to speak with a representative and request information about your ex-spouse’s benefits. This option may be more time-consuming, so it’s advisable to schedule an appointment in advance.
Understanding the Percentage of Benefits You Will Receive
When you apply for benefits based on your ex-spouse’s earnings record, you will receive a percentage of their benefits. The percentage you receive depends on the length of your marriage:
– If you were married for 10 to 20 years, you will receive 50% of your ex-spouse’s benefits.
– If you were married for 20 to 30 years, you will receive 66.67% of your ex-spouse’s benefits.
– If you were married for 30 years or more, you will receive 100% of your ex-spouse’s benefits.
It’s important to note that your benefits will be adjusted based on your own earnings record, and the total amount you receive may be less than 50% of your ex-spouse’s benefits.
Conclusion
In conclusion, if you are eligible, you can look up your ex-spouse’s social security benefits by utilizing the SSA’s online tools, contacting them via phone, or visiting your local office. Understanding the eligibility criteria, the percentage of benefits you will receive, and the process of applying for these benefits is crucial in making informed decisions about your financial future. Always consult with a financial advisor or legal professional to ensure you are making the best choices for your situation.
