Understanding Social Security Benefits for Divorced Spouses- What You Need to Know_2

Does Divorced Spouse Get Social Security?

Divorce can be a challenging and emotional process, and it often raises numerous questions about the future, including financial matters. One common question that arises for many divorced individuals is whether they are eligible to receive Social Security benefits from their former spouse. In this article, we will explore the eligibility criteria and the process for divorced spouses to receive Social Security benefits.

Eligibility Criteria

To be eligible for Social Security benefits from a divorced spouse, certain criteria must be met. Firstly, the marriage must have lasted at least ten years. If the marriage did not meet this duration, the divorced spouse may still be eligible if they are caring for the former spouse’s child who is under the age of 16 or disabled.

Secondly, the divorced spouse must not have remarried before the age of 60 (or 50 if they are disabled). If they have remarried, they may still be eligible for benefits if their subsequent marriage has ended through divorce, death, or annulment.

How to Apply for Divorced Spouse Benefits

If a divorced spouse meets the eligibility criteria, they can apply for Social Security benefits in several ways. The most convenient method is to apply online through the Social Security Administration’s website. This allows applicants to complete the application process from the comfort of their own homes and receive a decision within a few weeks.

Alternatively, divorced spouses can visit their local Social Security office to apply in person. This option may be preferable for those who require assistance or have questions about the application process.

Benefits Amount and Calculation

The amount of Social Security benefits a divorced spouse receives is based on their own earnings record, as well as the earnings record of their former spouse. The benefit amount is calculated as a percentage of the higher-earning spouse’s full retirement age benefit.

If the divorced spouse has their own earnings record, they can choose to receive benefits based on their own earnings or their former spouse’s earnings, whichever provides a higher benefit amount. However, if the divorced spouse chooses to receive benefits based on their former spouse’s earnings, they must have been married for at least ten years.

Conclusion

In conclusion, divorced spouses may be eligible to receive Social Security benefits from their former spouse, provided they meet certain criteria. Understanding the eligibility requirements and the application process can help ensure that divorced individuals receive the benefits they are entitled to. By exploring their options and seeking guidance when needed, divorced spouses can secure their financial future and navigate the complexities of Social Security benefits.