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How can I collect Social Security benefits after divorce?

On Behalf of | Jan 4, 2022 | Divorce

Divorce may be a stressful time for you because you worry about living without the income of your spouse. Though receiving alimony may ease your concerns, you may fear it will not be enough to help you build a comfortable retirement. The good news is that you might acquire Social Security spousal benefits even if your marriage has ended.

Someone who has a spouse who pays into Social Security may receive spousal benefits when the retirement age comes. The Motley Fool explains that people who get a divorce may still claim similar benefits. Here is a look at what you might accomplish if you seek to collect Social Security spousal benefits.

You may collect on your ex’s work record

A divorced spouse may collect Social Security benefits on a former spouse’s work record. To do so, your marriage must have lasted no less than 10 years. Also, you must not have remarried since your divorce. The benefits you receive will not go any higher than 50% of the amount your former spouse will earn at full retirement age.

You may collect more by waiting

Your age at the time you claim benefits can be important. You may want to start as soon as possible, which means you would apply for benefits at age 62. However, the longer you wait to collect, the more you can receive in benefits each month. You may wait until you are 70 years of age to maximize your benefits.

Do not worry if your ex decides to collect at age 62 or a time younger than 70. The age of your former spouse does not affect what you may receive when you decide to claim benefits.

You may collect survivor benefits

When a married spouse dies, the surviving husband or wife usually is eligible to collect survivor’s benefits from Social Security. Even if you have divorced your spouse, it is possible you may qualify for survivor’s benefits in the event your former spouse dies before you do.

Keep these possibilities in mind as you prepare your retirement. You may want to discuss these options in your divorce so you and your spouse know what to expect.

Effective September 1, 2021, Kniess Law merged into Hellmuth & Johnson. This merger allows us to provide a broader range of capabilities to our valued clients. Our office will remain the same, serving as Hellmuth & Johnson’s east metro location.
Check out the new firm at: www.hjlawfirm.com
Michelle Kniess’ Direct Line: 952-460-9259
Contact Michelle Kniess directly here: https://hjlawfirm.com/minneapolis-attorneys/michelle-m-kniess/
Contact Cassandra Suchomel directly here: https://hjlawfirm.com/minneapolis-attorneys/cassandra-l-suchomel/

Effective September 1, 2021, Kniess Law merged into Hellmuth & Johnson. This merger allows us to provide a broader range of capabilities to our valued clients. Our office will remain the same, serving as Hellmuth & Johnson’s east metro location.

Check out the new firm at: www.hjlawfirm.com

Michelle Kniess’ Direct Line: 952-460-9259

Contact Michelle Kniess directly here: https://hjlawfirm.com/minneapolis-attorneys/michelle-m-kniess/

Contact Cassandra Suchomel directly here: https://hjlawfirm.com/minneapolis-attorneys/cassandra-l-suchomel/

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