Can you collect social security from an ex husband? This is a question that many divorced individuals often ask themselves. Understanding the rules and conditions surrounding this matter can significantly impact your financial well-being in the years to come. In this article, we will explore the ins and outs of collecting social security benefits from an ex-spouse, including eligibility criteria, the duration of the marriage, and the process of applying for these benefits.
Social security benefits are designed to provide financial support to individuals who have contributed to the social security system throughout their working years. While the primary focus is on the individual’s own earnings, there are certain circumstances where an ex-spouse may be eligible to receive benefits based on their former partner’s work history. Here’s what you need to know about collecting social security from an ex husband.
Eligibility Criteria
To be eligible for social security benefits based on your ex-husband’s work history, you must meet the following criteria:
1. Marriage Duration: Your marriage must have lasted at least 10 years.
2. Divorce Status: You must have been legally divorced for at least two years before applying for benefits.
3. Age Requirement: You must be at least 62 years old to apply for benefits.
4. No Current Spouse: You cannot be currently married or living with someone as if you are married.
Benefits Amount
If you meet the eligibility criteria, you can collect social security benefits based on your ex-husband’s earnings. However, the amount you receive will be calculated based on his full retirement age (FRA), which is the age at which you can receive your full retirement benefits. If you choose to start receiving benefits before your FRA, your monthly benefit will be reduced.
It’s important to note that the benefits you receive will not affect your ex-husband’s benefits. In fact, if he has not yet claimed his benefits, your eligibility to receive them may encourage him to do so, as it could increase the total benefits he will receive over his lifetime.
Application Process
To apply for social security benefits based on your ex-husband’s work history, you must follow these steps:
1. Contact the Social Security Administration: You can apply for benefits by calling the Social Security Administration at 1-800-772-1213 or by visiting your local Social Security office.
2. Provide Required Documentation: You will need to provide proof of your marriage, divorce, and age, as well as your ex-husband’s social security number.
3. Choose Your Benefit Type: You can choose to receive benefits based on your own earnings or your ex-husband’s earnings, whichever is higher. However, once you choose a benefit type, you cannot change it.
Conclusion
Collecting social security benefits from an ex husband can be a valuable source of income during your retirement years. By understanding the eligibility criteria, benefits amount, and application process, you can make an informed decision about whether this option is right for you. Always consult with a financial advisor or the Social Security Administration to ensure you are making the best choice for your financial future.
