Can I Receive My Ex-Spouse’s Social Security?
Understanding the rules surrounding Social Security benefits for ex-spouses can be complex, but it’s an important topic for many individuals who have gone through a divorce. If you’re wondering whether you can receive your ex-spouse’s Social Security benefits, this article will provide you with the necessary information to make an informed decision.
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 10 years. Additionally, you must have been divorced for at least two years before you can begin receiving these benefits. If you remarried before the age of 60, you must have been divorced for at least two years from your previous marriage to be eligible.
Age and Retirement Status
You must also be at least 62 years old to receive benefits from your ex-spouse’s Social Security. However, you can start receiving benefits as early as age 60, but the amount you receive will be reduced. If you choose to wait until your full retirement age, which is currently 66 to 67 depending on your birth year, the benefit amount will be higher.
Divorce and Benefits
It’s important to note that your ex-spouse’s Social Security benefits are not affected by your current marital status. Even if you have remarried, you can still receive benefits from your ex-spouse, as long as you meet the above criteria. However, if you remarry before the age of 60, you may lose your eligibility to receive benefits from your ex-spouse.
Calculating the Benefit Amount
The benefit amount you receive from your ex-spouse’s Social Security will be based on the primary insurance amount (PIA) they earned during their working years. The PIA is the amount they would receive if they began receiving benefits at their full retirement age. Your benefit amount will be a percentage of your ex-spouse’s PIA, depending on your age when you begin receiving benefits.
Applying for Benefits
To apply for your ex-spouse’s Social Security benefits, you will need to complete Form SSA-2, which is available on the Social Security Administration’s website. You can submit the form online, by mail, or in person at your local Social Security office. Be sure to have your ex-spouse’s Social Security number and your own identification ready when you apply.
Conclusion
In conclusion, if you meet the criteria of having been married to your ex-spouse for at least 10 years and being divorced for at least two years, you can indeed receive your ex-spouse’s Social Security benefits. It’s essential to understand the rules and eligibility requirements to ensure you receive the benefits you deserve. For more information, contact the Social Security Administration or consult with a financial advisor.
