I began receiving my reduced SS benefits a couple of years ago. I am now 66. I had 2 previous marriages of 10 years or longer. (currently divorced) Both my ex husbands are receiving their respective benefits. Am I entitled to any spousal benefits and or is it too late to apply since Im already receiving mine?

Hi,

It's not too late to apply for divorced spousal benefits, but as long as your ex-spouses are still living you'll only be eligible if one or both of their primary insurance amounts (PIA) are more than twice as much as your own PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).

If you qualify for divorced spousal benefits in addition to your own benefit, your unreduced divorced spousal rate would be calculated by subtracting your PIA from 50% of your ex's PIA. However, if your entitlement to divorced spousal benefits starts before you reach full retirement age (FRA), your divorced spousal rate will also be reduced for age.

It sounds like you should probably contact Social Security to see whether or not you may be eligible for additional benefits.

Best, Jerry