Who qualifies
- Your marriage lasted 10 years or longer.
- You are unmarried now. Remarriage generally ends eligibility unless the new marriage also ends.
- You are at least 62.
- Your ex-spouse is entitled to retirement or disability benefits (or could be, see below).
- The benefit based on your ex's record is higher than your own.
How much you can get
| If you claim at | Share of ex-spouse's full benefit (FRA 67) |
|---|---|
| 62 | 32.5% |
| 64 | 37.5% |
| 67 (your full retirement age) | 50% |
| After 67 | 50%. Waiting adds nothing for a spousal-type benefit |
Social Security pays the higher of your own benefit or the divorced spouse benefit, not both added together.
If your ex has not filed yet
Normally a spouse must wait until their partner files. For divorced spouses there is an exception: if you have been divorced for at least 2 years and your ex is at least 62 and eligible, you can claim even if they have not applied.
Does it affect your ex?
No. Claiming does not reduce your ex-spouse's benefit or any current spouse's benefit. Each person is paid separately from the same earnings record.
When your ex dies
You may qualify for a divorced survivor benefit if the marriage lasted 10+ years. You can claim as early as 60 (50 if disabled), and remarriage at 60 or later does not end this benefit. See survivor benefits.
What to bring when you apply
Your marriage and divorce documents, your ex-spouse's Social Security number (or as much information as you have), and your own earnings information. Apply through SSA at 1-800-772-1213 or at ssa.gov. See how to apply.