Do I Get Social Security from My Ex-Husband?
Navigating the complexities of social security benefits can be challenging, especially when it comes to determining whether you are eligible to receive benefits from your ex-husband. If you were married for a significant portion of your ex-husband’s career, you may be entitled to his social security benefits. This article will explore the factors that determine your eligibility and how you can ensure you receive the benefits you deserve.
Eligibility Requirements
To be eligible for social security benefits from your ex-husband, you must meet certain criteria. Firstly, you must have been married to your ex-husband for at least ten years. Secondly, you must be at least 62 years old. Additionally, you must not be remarried and must not be entitled to a higher benefit based on your own work history.
Benefits Calculation
If you meet the eligibility requirements, your social security benefits will be calculated based on a formula that considers the highest 35 years of your ex-husband’s earnings. The benefit amount you receive will be a percentage of his full retirement age (FRA) benefit. This percentage is determined by the length of your marriage and the age at which you start receiving benefits.
When to Apply
It’s important to note that you can apply for your ex-husband’s social security benefits as early as age 62, but doing so will result in a reduced monthly benefit. If you wait until your full retirement age, you will receive the full benefit amount. However, if you decide to wait until age 70, your benefit will increase by 8% per year.
Considerations for Divorce
In some cases, divorce can affect your eligibility for social security benefits from your ex-husband. If your divorce was finalized before 1983, you may still be eligible for benefits based on your ex-husband’s earnings, even if you remarried. However, if your divorce was finalized after 1983, you must not have remarried to be eligible for these benefits.
Seek Professional Advice
Navigating the social security system can be complex, and it’s important to seek professional advice to ensure you receive the benefits you deserve. A social security attorney or a financial advisor can help you understand your options and guide you through the application process.
In conclusion, if you meet the eligibility requirements, you may be entitled to receive social security benefits from your ex-husband. Understanding the factors that determine your eligibility, the benefits calculation, and the appropriate time to apply can help you make informed decisions regarding your financial future. Don’t hesitate to seek professional advice to ensure you receive the benefits you are entitled to.
