If you’re divorced and nearing retirement, there’s a little-known Social Security rule that could give your finances a helpful lift. While most people assume benefits are tied only to their own work history, that’s not the full picture. You might be able to collect benefits based on your ex-spouse’s earnings — and it won’t impact their benefits one bit.
This opportunity is especially important for those who may have earned less over their careers, worked part-time, or taken breaks to care for family. Claiming Social Security through an ex-spouse could mean more monthly income and greater stability, but the key lies in understanding how the system works and what you need to qualify.
Who Can File Under an Ex-Spouse’s Record?
Not every divorced person can claim benefits from a former spouse. To qualify, your marriage must have lasted for at least ten years, and you need to be currently unmarried and 62 or older. If your own benefit is lower than what you’d receive through your ex, you have the option to claim the higher amount.
Crucially, filing under your ex’s record won’t touch their benefits in any way — even if they’ve remarried. This rule allows divorced individuals to claim what’s available to them without creating any financial burden or confusion for their former partners.
The Application Process: Simple but Document-Heavy
Applying isn’t difficult, but it does require a few essential documents. You’ll need to provide proof of your age, your Social Security number, and legal documents showing your past marriage and divorce. Once you have these in hand, you can choose the method that suits you best — apply online through the SSA website, call their toll-free number, or visit your local Social Security office in person.
It’s a good idea to apply a few months before you want to start receiving payments. The Social Security Administration will need time to process your application and determine your eligibility. Once your claim is approved, they’ll notify you of how much you’ll receive and when the payments will begin.
Why This Matters for Your Retirement Planning
Many people don’t realize this option exists, and unfortunately, that means money is often left unclaimed. Whether you’re about to retire or just mapping out your financial future, it’s worth looking into all the benefits available to you. If you meet the requirements, tapping into an ex-spouse’s record could mean hundreds of extra dollars each month — without affecting them at all.
So, if you’ve gone through a divorce and meet the eligibility criteria, don’t overlook this important detail in your retirement planning. Acting early, staying informed, and knowing your rights could help you secure a more comfortable and confident retirement.
