Can You Collect Social Security Benefits From an Ex-Spouse?
Can You Collect Social Security from an Ex-Spouse?
Many people are surprised to learn that they may be eligible to collect Social Security benefits based on an ex-spouse’s work record, even after a divorce. In certain cases, the Social Security Administration (SSA) allows divorced spouses to claim benefits based on their former spouse’s earnings history. This article explains how collecting Social Security from an ex-spouse works, the eligibility requirements, and how it impacts your own benefits.
How Social Security Benefits for Ex-Spouses Work
The SSA provides spousal benefits as a way for individuals to collect Social Security based on their spouse’s earnings, even after a divorce. This option can be beneficial for individuals who have a lower earning history than their former spouse or have not earned enough credits to qualify for their own Social Security benefits.
Key Points About Ex-Spouse Benefits
- Collecting Social Security from an ex-spouse does not reduce their benefits. The SSA explicitly states that when someone collects benefits on an ex-spouse’s record, it does not reduce the amount the primary beneficiary (the ex-spouse) receives. Each eligible individual can claim based on a worker’s record without affecting each other’s benefits.
- If an individual has multiple ex-spouses who are eligible, each ex-spouse can collect benefits based on the worker’s record without reducing the worker’s own benefit or affecting what others can receive. This benefit can be useful for individuals who may not have worked enough to qualify for their own full Social Security benefit or have a lower earnings record.
Eligibility Requirements for Collecting Social Security from an Ex-Spouse
To collect Social Security based on an ex-spouse’s record, you must meet several key eligibility requirements:
- Marriage Duration: You must have been married to your ex-spouse for at least 10 years.
- Age Requirement: You must be at least 62 years old to begin collecting benefits based on your ex-spouse’s record.
- Current Marital Status: You must be unmarried to collect benefits on an ex-spouse’s record. If you remarry, you are no longer eligible for these benefits unless your subsequent marriage ends in divorce, death, or annulment.
How Collecting Ex-Spouse Benefits Affects Your Own Social Security
One common concern is whether collecting benefits based on an ex-spouse’s record will reduce your own Social Security benefits. Here are the key points:
- No Impact on Own Benefits: Collecting Social Security benefits from an ex-spouse does not affect your own Social Security benefits. You can still claim your own benefits if they are higher.
- Higher Benefit Calculation: If your own Social Security benefit is higher than the spousal benefit, you will receive your own benefit amount. The SSA will only pay the higher of the two amounts, so you won’t receive both full benefits.
How Much You Can Receive
The amount you receive when collecting Social Security from an ex-spouse depends on their earnings record and the age at which you start collecting. Typically:
- At Full Retirement Age (FRA): You are eligible for up to 50% of your ex-spouse’s benefit.
- Early Benefits: If you claim before your FRA, your spousal benefit will be reduced, based on the age at which you begin receiving benefits.
Would Your Spouse Be Notified?
Because your claim with the Social Security Administration is considered individually, even if it was garnered via your previous marriage, your ex-spouse would not be notified of your collection activity. Your benefit would have no bearing on your ex-spouse’s benefits, which means that there would be no reason for the Social Security Administration to consult with your ex-spouse regarding your payments.
Why Consult a Social Security Attorney
Understanding the details of Social Security benefits can be complex, especially when navigating ex-spousal benefits. Consulting a Social Security attorney can provide guidance tailored to your unique situation. Here is a brief list of the benefits of hiring a Social Security attorney:
- Comprehensive Case Building
Beyond just the initial application, an attorney will meticulously build your case. They gather essential medical evidence, secure statements from treating physicians, and, if necessary, arrange for further medical evaluations to reinforce your claim. This thorough compilation enhances the strength of your application, increasing the likelihood of approval.
- Enhanced Chances of Approval at Initial Stages
Statistically, applicants represented by attorneys have a higher approval rate than those without. While the Social Security Administration does not discriminate against unrepresented individuals, an experienced attorney at your side can often result in more complete and convincing applications.
- Navigating the Appeals Process
If your initial application is denied – a common occurrence for many applicants – the subsequent steps involve a complex appeals process. This can range from a reconsideration request to a hearing before a judge. Social Security disability attorneys are well-acquainted with this process, preparing compelling arguments and representing clients during hearings, significantly improving the chances of a favorable decision.
At SocialSecurityDisability.com, we offer a free attorney-matching service, connecting you with qualified attorneys to help clarify your benefits options.
What You’ve Learned
Collecting Social Security based on an ex-spouse’s record can be a valuable option for many individuals, especially those with a lower earnings history. This benefit provides a financial safety net without impacting your ex-spouse’s or your own Social Security benefits. If you meet the eligibility requirements, applying for ex-spouse benefits can be a straightforward process, but consulting with an attorney can help ensure you’re making the best financial choice.
For a free consultation with a qualified Social Security Disability attorney, click here or call (833) 613-0618.
