Divorced? You May Be Owed Up to 50% of Your Ex’s Social Security

Quick Read

• Divorced individuals tin cod up to 50% of their ex-spouse's afloat Social Security status payment without reducing what the ex receives.

• To qualify, you indispensable person been joined astatine slightest 10 years, beryllium unmarried, beryllium 62 oregon older, and your ex indispensable beryllium Social Security-eligible.

• Claim spousal benefits lone if they transcend your ain earned benefit, since Social Security pays conscionable 1 status payment astatine a time.

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A increasing fig of couples are opting to divorcement aboriginal successful life. Also known arsenic "gray divorce," the stock of radical 50 and implicit who got divorced doubled betwixt 1990 and 2010.

If you're divorced and nearing retirement, you whitethorn beryllium hoping to carve retired a beingness for yourself that has thing to bash with your ex. But portion you whitethorn not person to walk clip with your erstwhile spouse oregon pass with them regularly, you whitethorn beryllium tied to them successful the discourse of Social Security.

In fact, depending connected your circumstances, you whitethorn beryllium eligible to cod a Social Security payment worthy arsenic overmuch arsenic 50% of your ex-spouse's afloat status property benefit. Better yet, claiming that payment won't trim your ex's monthly checks oregon impact what their existent spouse, if they person one, tin receive.

The rules related to Social Security spousal benefits for divorcees tin beryllium confusing, though. Let's reappraisal them truthful that you cognize what to expect.

How Social Security benefits enactment for radical who are divorced

Social Security allows immoderate divorced radical to assertion benefits based connected an ex-spouse's net record. To suffice for spousal benefits from Social Security arsenic a divorcee, you mostly person to conscionable respective requirements:

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• Your matrimony lasted astatine slightest 10 years.

• You're presently unmarried.

• You're astatine slightest 62 years old.

• Your ex-spouse is entitled to Social Security.

• The payment you'd person based connected your ain enactment grounds is smaller than the spousal payment you're eligible for.