Even a divorced spouse qualifies for the same spousal benefits like a married spouse. This includes both retirement and survivor benefits. Below are 10 interesting facts about Exspouse’s entitlement to the social security benefits:
1. You are entitled to receive a social security benefit half the amount of what your exspouse is supposed to get at their full retirement age, based on the ex-spouse’s earning record.
2. You are entitled to every social-security of your ex-spouse unless you are remarried. But if you remarry at or after 60 years of age, you can collect your deceased ex-spouse’s social-security benefit.
3. If you get remarried while receiving your ex-spouse’s social-security benefit, then you will no longer be entitled to receive or claim the benefit.
4. To file an application for spousal benefit based on their earning record, you must be married to a different new spouse for at least a year.
5. You can estimate your social-security benefit from your ex-spouse by using a socialsecurity calculator if you have an idea about your ex-spouse’s earning and their date of birth. The most suitable way would be straightly asking your ex-spouse about their retirement benefit amount, out of which half of it can be claimed by you, if you file the application before your full retirement age. Another way is, you can file an application claiming benefits for divorced spouse.
6. If you are divorced, your ex-spouse can receive benefits based on your earning record if your ex-spouse is 62 years of age or older. Your ex-spouse needs to be eligible enough to claim the social-security benefits rather than filing application for their own social security benefits.
7. If your ex-spouse collects any benefit based on your record, then it does not in any way affects the benefits or your current family’s benefits.
8. You must not file for social security benefits from your ex-spouse before you reach your full retirement age. Otherwise, your options will be limited.
9. It is always advised to collect your spousal benefit after full retirement age and continue to let your own benefit grow until you have attained the age of 70, so that you can collect those benefits and continue to let your family grow until you have attained the age of 70.
10. You can file for your social security benefit before your ex-spouse has attained 62 years of age. Suppose your ex-spouse is younger to you and you reached 62 years of age and you want to claim for your social security benefit, then you will receive an amount lesser than you were supposed to get based on your record, since you applied for the benefit earlier. Later when your ex-spouse will attain 62 years of age he/she can claim the half of the benefit amount, but of course at a reduced rate, since you applied for the benefit early. Thus, you must claim for your social security benefit when both you and your exspouse has attained the full retirement age or on or after both of you have attained the age of 62.