I am divorced, after 15years of marriage. I am being told that at 62 years of age, I can draw on my ex husbands social security until my full retirement age 0f 66 and 6 months, then at age 66 and 6 months start drawing on my benefits enabling me to draw the max amount I have earned. Is this information accurate?

Hi,

That depends on whether or not your ex-spouse is living. If he is, then no you couldn't file for divorced spousal benefits at age 62 and then switch to your own account at a later age. In fact, assuming that you were born after January 1 1954, you couldn't file for divorced spousal benefits at any age on the record of a living ex-spouse without also being deemed to be filing for your own benefits at the same time. However, if your ex is deceased then you could potentially file for surviving divorced spousal benefits as early as age 60 without being deemed to also be filing for your own benefits. You would then be free to file for your own benefits at any time after that.

Whether your ex-spouse is living or deceased, though, It sounds like you should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully explore and compare your options in order to determine your best strategy for maximizing your benefits.

Best, Jerry