Divorce and Social Security Spousal Benefits
If you are divorced, you must have been married for at10 years to be eligible for a spousal benefit through ex-spouse. In addition, you’ll need to have been divorced for at two years and be currently unmarried. “Both you and ex-spouse must be at least 62.
Eligibility Requirements for Divorced Spouses
Before you can receive
? your ex is entitled to Social Security retirement
? your marriage lasted at least 10 years
? you are unmarried
? you’re at least 62 years old, and
? the benefit you’re entitled to on your own work record is less than the benefit you’d receive on your ex’s record.
If your ex-husband hasn’t applied for benefits yet, but qualifies for them and is age 62 or older, you can receive benefits on his record if you’ve been divorced from him for at least two years and meet all of the requirements listed above..
Eligibility When Your Ex-Spouse is Deceased
If your ex-husband dies, you may receive benefits on his record, as long as your marriage lasted for at least 10 years.
Types of Social Security Benefits
There are four basic types of benefits based on the person receiving them. The types are retirement, disability, survivors and supplemental benefits.
Retirement benefits are what typically come to mind when most people think of Social Security. Such benefits are available for people 62 or older who have worked at least 10 years. Your benefit amount will vary based on your pre-retirement salary as well as the age at which you begin collecting benefits.
Disability benefits support people who cannot work because of disabilities. As with retirement benefits, you need to have worked a certain number of years to be eligible for Social Security Disability Insurance (SSDI) benefits. The amount of work you need depends on your age, and your monthly benefit amount depends on your pre-disability salary.
Survivors’ benefits can help bridge financial gaps for survivors of workers and retirees. Eligible recipients typically include help for widows and widowers, divorced spouses and children.
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