Ask Larry

Divorced Spousal Benefits

Can I Get Benefits From My Ex-Wife's Record?

I was married from November 1979 till April 1988. Divorced now for 33 years! Can I use my ex-wife’s SSN? I am currently on SSDI. We are both turning 65 in 2021 and She has been very successful!

Hi. It doesn't sound like it. You can only qualify for divorced spousal benefits if you were married to your ex-spouse for at least 10 years. If your marriage lasted less than 10 years, you can't collect benefits from your ex-wife's account.

Best, Jerry

Tuesday, May 11, 2021 - 15:48

How Do I Find Out Whether It Would Be Better To Retire On My Own Social Security Or My Ex-Spouse's Social Security?

I am 62 divorced female still currently employed in a low level position. I am exploring the best time to retire with available assets. I would hope to work part time after retiring. My former husband's income was much higher than mine. However, he has been out of the work force 13 years and hasn't filed taxes since. How do I gather his information to determine which income would be best to retire on? Or is it fruitless since he has not filed?

Wednesday, April 28, 2021 - 12:35

Is There An Exception To The Ten Year Rule When Diagnosed With A Major Disease?

Question: Receiving ex spouses social Security benefits. Is there a way to have an exception to the 10 year rule when diagnosed with a major Disease during the marriage then becoming disabled because of it?

Hi. No, there are no exceptions to the 10-year duration of marriage requirement for divorced spousal benefits.

Best, Jerry

Thursday, April 22, 2021 - 09:59

Can I Draw Off Of My Ex-Husband's Record If We Were Married For Seven Years?

Can I draw off of my ex husband being married for seven years?

Hi. The only way that you could qualify for benefits from the Social Security account of an ex-spouse from whom you were divorced and married to for less than 10 years is if your ex-spouse is deceased and if you have a child in your care who qualifies for child benefits on your ex's record and who's either under age 16 or disabled.

Best, Jerry

Sunday, April 11, 2021 - 20:05

Could My Child And I Be Drawing Off Of My Ex-Spouse's Account?

I been disabled for over 20 years and receiving SSDI, on my account, my ex husband and I divorced almost 2 years ago and he’s still working at the age of 57 almost 32 years at this job. We have one minor child left at home That I have custody of age 16. Is there some benefits we could be drawing off of the ex spouses account we could be receiving and how do we go about it? Thanks

Sunday, April 11, 2021 - 19:49

Am I Entitled To Receive Any Of My First Husband's Social Security Benefits?

I was married over 30 years before divorcing. I later remarried but my second husband died after 3 years of marriage. My first husband also remarried but his marriage ended in divorce after 2 years.
My first husband is yet living as is his second wife. We are all in our 80’s.
Am I entitled to collect any of my first husband’s social security benefits? I was not awarded anything in the divorce.

Saturday, April 10, 2021 - 12:39

Will My Benefit Rate Be Reduced Because My Ex-Husband Is Younger Than Me?

Hi Larry, I'm ten years older than my ex-husband of twenty years and I'm starting to file for retirement benefits. I'm getting conflicting information about how much my spousal benefit should be since my ex-husband is not retirement age. Will my benefit be reduced due to my ex-husband not being at full retirement age? Thanks, Vickie

Tuesday, April 6, 2021 - 12:33

What Is The Truth About When I Can Draw From My Ex-Husband's Social Security?

I am confused about when to take ss… My ex-husband is 7 months younger than me and the ss agent said I can’t take my half of his ss until he is 66 and 4 months… is it possible for me to take early benefits on my ss then switch to his? What is the truth about when I am eligible to take his? I don’t trust to ss agent’s advise - when I called she seemed to not understand my questions…

Wednesday, March 31, 2021 - 07:00
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.