Ask Larry

Can I Start Receiving My Ex-Spouse's Benefits At Age 57 Since I'm Disabled?

I am drawing ssdi for about 10 yrs I am 57 my ex spouse of 23 years turned 62 this year can I start receiving his ss benefit ?

Hi. No. The earliest that you could potentially qualify for divorced spousal benefits on the account of a living ex-spouse is age 62. And, even then, you could only qualify for divorced spousal benefits if 50% of your ex's primary insurance amount (PIA) is 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), or their full Social Security disability (SSDI) benefit rate.

Furthermore, if you do qualify for divorced spousal benefits and if you claim those benefits prior to your FRA, your divorced spousal rate would be reduced for age.

Best, Jerry

Mar 26 2023 - 11:08am
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.