Can I Collect Social Security on My Ex Husband?
Divorce can be an emotionally and financially challenging time for many individuals. One common question that arises during this period is whether a person can collect Social Security benefits based on their ex-husband’s work history. The answer to this question depends on several factors, including the duration of the marriage and the specific circumstances surrounding the divorce.
Eligibility for Social Security Benefits Based on Ex-Husband’s Work History
To be eligible for Social Security benefits based on your ex-husband’s work history, you must meet certain criteria. First, your marriage must have lasted at least ten years. This means that if you were married to your ex-husband for ten or more years, you may be eligible to collect benefits on his Social Security record.
Benefits Available to Ex-Wives
If you meet the ten-year marriage requirement, you have two options when it comes to collecting Social Security benefits:
1.
Ex-Spouse Benefits
As an ex-wife, you can collect Social Security benefits based on your ex-husband’s work history even if he has not yet retired. These benefits are available at your full retirement age, which is currently 66 to 67, depending on your year of birth. The benefit amount you receive will be a percentage of your ex-husband’s primary insurance amount (PIA).
2.
Survivor Benefits
If your ex-husband passes away, you may be eligible to receive survivor benefits based on his Social Security record. These benefits are available at your full retirement age or as early as age 60, with a reduced benefit amount. Additionally, if you are caring for a child under the age of 16 or disabled, you may be eligible for survivor benefits at any age.
Other Considerations
It’s important to note that there are a few other factors to consider when determining your eligibility for Social Security benefits based on your ex-husband’s work history:
1.
Divorce Date
Your eligibility for ex-spouse benefits is not affected by the date of your divorce. As long as you meet the ten-year marriage requirement, you can still collect benefits.
2.
New Marriage
If you remarry, your eligibility for ex-spouse benefits may be affected. If you remarry before the age of 60, you will lose your eligibility for ex-spouse benefits. However, if you remarry after the age of 60, you can still collect benefits based on your ex-husband’s work history.
3.
Benefit Calculation
The amount of Social Security benefits you receive will be based on your own work history and the work history of your ex-husband. Your benefit amount will be the higher of the two.
In conclusion, if you meet the eligibility requirements, you can collect Social Security benefits based on your ex-husband’s work history. It’s important to consult with a Social Security expert or attorney to understand the specifics of your situation and ensure that you receive the benefits you are entitled to.
