Divorced? You Might Still Have Social Security Options

Divorce doesn’t have to mean losing Social Security benefits tied to your marriage. Many divorced individuals are surprised to learn they may still qualify for benefits on an ex-spouse’s record.

Key Eligibility Rules

• You were married at least 10 years.

• You’re at least 62 years old.

• You’re not remarried (unless your later marriage ended by death, divorce, or annulment).

• Your ex is entitled to Social Security (they don’t need to have claimed yet).

How It Works

• You may qualify for up to 50% of your ex-spouse’s PIA if it’s higher than your own benefit.

• Your claim has no impact on your ex-spouse or their new family.

• In some cases, you can start with an ex-spousal benefit and later switch to your own (if it’s higher) at age 70.

Why This Matters

For many divorced women (and men), this can mean thousands of extra dollars a year—without affecting anyone else’s benefit. Yet most people never claim it simply because they don’t know it exists.

Common Misconceptions

• “I don’t want to take money from my ex.” → You’re not. Their benefit is unaffected.

• “I remarried, so I’m out of luck.” → Not necessarily—if your later marriage ended, you may still qualify.

👉 Next Steps: If you’re divorced, don’t assume your only option is your own record. Let’s explore whether ex-spousal benefits could be part of your Social Security strategy.