By Sandra Field, MBA, CFP® on Wednesday, 04 December 2013
Category: Retirement

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

 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.