Ask Larry

Do I Have To Wait Until Age 62 To Get SS From My Ex-Spouse Even If I'm Disabled?

I've been on disability since 2009. My question is do I have to wait until 62 to get the ex spouse SS benefits since I'm disabled? I'm 60 now. If I live in another country, do I have to be in the US to file for it? If I understand, I can get the ex-spouse benifit OR mine,but not both? I thought a certain percentage would be added to my disability.
Thank you for your time,

Hi Charla. Assuming that your ex-spouse is still living, then the answer is yes. You can't qualify for divorced spousal benefits on the record of a living ex-spouse any earlier than at age 62 even if you're disabled. And, if you start drawing divorced spousal benefits prior to full retirement age (FRA) your benefit rate will be reduced for age.

However, if your ex-spouse is deceased, then you could potentially qualify for disabled widow's benefits (DWB) as early as age 50. Those benefits are also reduced for age if you start drawing them prior to FRA, but if you start drawing DWB or regular widow's benefits after or concurrently with Social Security disability (SSDI) benefits then the reduction for age applied to your survivor benefit rate is removed when you reach FRA.

Best, Jerry

Jun 29 2021 - 4:08pm
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.