Eligibility of Divorced Spouses for Social Security Benefits- Can They Receive Financial Support Post-Divorce-

Can a Divorced Spouse Draw Social Security?

Social Security benefits are a crucial source of income for millions of Americans, particularly during retirement. However, many individuals are unsure about their eligibility for these benefits, especially those who have gone through a divorce. The question of whether a divorced spouse can draw Social Security is a common one, and the answer may surprise you.

Understanding Divorced Spouse Benefits

Yes, a divorced spouse can draw Social Security benefits under certain conditions. These benefits are designed to provide financial support to individuals who have been married for at least ten years and have gone through a divorce. To qualify for divorced spouse benefits, the following criteria must be met:

1. The divorced spouse must have been married to the worker for at least ten years.
2. The divorced spouse must be at least 62 years old.
3. The worker must be entitled to Social Security benefits or be deceased.
4. The divorced spouse must not be remarried (unless the subsequent marriage ended through death or divorce).

Calculating Divorced Spouse Benefits

If you meet the eligibility criteria, your divorced spouse benefits will be calculated based on the worker’s primary insurance amount. The benefit amount you receive will be a percentage of the worker’s full retirement age benefit. The percentage depends on your age relative to the worker’s full retirement age:

– If you are age 62 or older, you will receive 50% of the worker’s benefit.
– If you are between ages 62 and full retirement age, the benefit will be reduced.
– If you are younger than 62, you will not be eligible for benefits until you reach full retirement age.

Eligibility for Divorced Spouse Benefits

It’s important to note that there are specific situations where you may still be eligible for divorced spouse benefits, even if you have remarried:

1. If your subsequent marriage ended through death or divorce, you may still be eligible for benefits.
2. If you have been remarried for less than two years, you may still be eligible for benefits.
3. If you have been remarried for more than two years, you may still be eligible for benefits if you have become legally separated from your current spouse.

Applying for Divorced Spouse Benefits

To apply for divorced spouse benefits, you will need to provide proof of your marriage, divorce, and age. You can apply online, by phone, or in person at your local Social Security office. It’s important to apply as soon as possible, as benefits are retroactive to the month you file your application.

In conclusion, if you meet the eligibility criteria, a divorced spouse can indeed draw Social Security benefits. Understanding the requirements and how these benefits are calculated can help you make informed decisions about your financial future.