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How to Collect Social Security on an Ex-Spouse’s Record

Wednesday, 04 December 2013

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As long as the former ex-spouse is eligible to receive benefits, you can collect a spousal benefit if you meet the following conditions:

-You have not remarried

-Your marriage lasted at least 10 years

-You are 62 or older

If your ex-spouse has not yet applied for his benefit, you have to hold off until you have been divorced for two years. As long as you are full retirement age, your spousal benefit will be equal to one-half of your ex-spouse’s full retirement benefit. The benefit will be less than one-half if you’re younger than full retirement age when you start collecting. Your spousal benefit will not include any delayed retirement credits that your ex-spouse may receive. If you remarry, you generally cannot collect spousal benefits on your former spouse’s record unless your later marriage ends in death or divorce.

About the author

Sandra Field, MBA, CFP®

Sandra Field, founder, of Asset Planning Inc. (API), is a Certified Financial Planner and has been an active professional in the financial services industry for over 23 years. She is recently named as one of nation's leading wealth mangers by Bloomberg "Wealth Manager" magazine.

A Southern California native, Sandra graduated from California State University Long Beach with a Bachelor of Science in Finance and from University of Southern California with a Masters in Business Administration.

Sandra is a member of NAPFA (National Association of Personal Financial Advisors) and the Financial Planning Association. Sandra has served on the board of directors for the Orange County Chapter of FPA. Well respected in the industry, she is a featured financial advisor for the LA Times "Money Makeovers" as well as for the "One On One" column in the Orange County Register. In addition, Sandra serves on the Mutual Fund Panel of Experts for the Orange County Register Newspaper. She is also an active member of the community, serving as past President of the Seal Beach Chamber of Commerce, past Vice President of Finance on the Board of Directors for the American Cancer Society, and past Business Advisor to the City of Seal Beach.

Last but not least, she is a featured speaker at many public and private functions such as AAII (American Association of Individual Investors), Cal State Univ. Long Beach, EWGA and USC. She recently spoke at the WISE (Women In Securities & Education) conference, conducting a live money makeover before 400 women.

Whether she is assisting clients to reach their retirement goals or selecting the right investments for clients, education is at the core of Sandra's philosophy. She emphasizes the importance of developing a relationship with and educating clients, placing the utmost importance on helping them reach their goals, whatever they may be.

Asset Planning, Inc Blog

How to Collect Social Security on an Ex-Spouse’s Record

About the author

Sandra Field, MBA, CFP®

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