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Am I Entitled to My Ex’s Social Security Benefits?

Question: I was married for 13 years and then got a divorce. I re-married two more times and divorced two more times. I am now not married. Am I entitled to my first ex-husband’s Social Security benefit?

Answer: Yes. The Social Security Administration says a divorcee can receive her ex-spouse’s benefits so long as the marriage lasted 10 years or longer and the person seeking the benefits is 62 or older and not married. Whether your ex-husband is married or not doesn’t matter.

If you also qualify to receive Social Security on your own, a good strategy to maximize your total benefits is to first collect your ex-husband’s benefits and put off receiving your own. To get the biggest bump in benefits, workers have to delay their benefits beyond full retirement age  (around 66 for people born before 1957, closer to 67 for people born after). For each additional year you wait, you’ll get an 8% increase in payments until you hit age 70.

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    • I am a 62 yr old woman on SS Disability. I am divorced 13 yrs. after a 22 yr. marriage. My ex is still working, making over $75,000 a yr., while I can collect only $700 a month on disability. I was under the assumption that I could not collect on his SS until HE turned 62, but from what I am reading now, I qualify when I am 62. Can anyone clarify?

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    • So that also mean’s the x-husband is alo entitled to the wife’s Social Security benefit as well right?

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