I will turn 66 in November 2019. If I file a restricted application on my ex spouse's record, do I have to wait four years to switch back to my own? I have been divorced 20 years and do not know how much 50% of his benefit will be. Thank you.

Hi,

No, you could switch to your own record at any time. You should be able to find out approximately how much you could receive in divorced spousal benefits by contacting Social Security. You may then want to use our maximization software to compare your options and determine your best overall strategy.

Best, Jerry