When Can I Possibly Start To Receive Any Ex-Spousal Benefits?

Apr 11 2020 - 6:15am

Hello,
I am 60 yrs old currently receiving SS Disability and wanted find out if I am eligible for Social Security Benefits although my ex husband hasn’t retired yet and is still working at 68. When can I possibly start to receive any ex-spousal benefits? We were married 6 yrs. Am I eligible for anything and if so do wait until he actually retires?
Thank you

Hi

You'd have to be at least age 62 to potentially be eligible for divorced spousal benefits, and your ex would either have to be drawing his benefits or be at least age 62. Even then, though, you'll only qualify for divorced spousal benefits in addition to your Social Security disability (SSDI) benefits if your ex-spouse's primary insurance amount (PIA) is more than twice as much as your PIA. A person's PIA is equal to their full SSDI rate or their Social Security retirement benefit rate if they start drawing at full retirement age (FRA). And, if you do qualify for additional divorced spousal benefits and if you start drawing your benefits prior to FRA, your benefit rate will be reduced for age.

Best, Jerry