Divorce can be a difficult and stressful time, and navigating the complexities of Social Security benefits can add an additional layer of confusion. This guide will provide a comprehensive overview of the different options available to individuals who have gone through a divorce and are seeking to claim Social Security benefits.
Eligibility for Benefits
In order to be eligible for Social Security benefits, an individual must have a certain number of work credits, which are based on their earnings. If a divorced individual does not have enough work credits to qualify for their own benefits, they may be able to claim benefits on their ex-spouse’s record.
It is important to note that in order to claim benefits on an ex-spouse’s record, the divorce must have been final for at least two years. Additionally, the ex-spouse must be eligible for Social Security benefits and the individual claiming benefits on their record must be unmarried.
When To Claim Social Security Benefits: https://youtu.be/UJy_lCU-_oQ
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Claiming Benefits on an Ex-Spouse’s Record
When claiming benefits on an ex-spouse’s record, the individual will receive a benefit equal to one-half of the ex-spouse’s full retirement benefit. This is true even if the ex-spouse has not yet begun receiving benefits.
It is important to note that claiming benefits on an ex-spouse’s record will not affect the ex-spouse’s benefits in any way. Additionally, if the ex-spouse dies, the individual claiming benefits on their record may be eligible for a survivor’s benefit.
Coordinating Benefits with an Ex-Spouse
In some cases, it may be advantageous for both the divorced individual and their ex-spouse to coordinate the timing of when they begin receiving benefits. For example, if one spouse has a higher benefit amount, it may be beneficial for the other spouse to wait to claim benefits until a later age in order to receive a higher benefit amount.
Divorced Spousal Benefits
Divorced individuals may also be eligible for divorced spousal benefits, which are similar to regular spousal benefits. In order to qualify for divorced spousal benefits, the individual must have been married to their ex-spouse for at least 10 years and the divorce must have been final for at least two years.
How to Apply for Benefits
Individuals can apply for Social Security benefits online, by phone, or in person at a local Social Security office. It is important to have all necessary documents, such as a birth certificate and proof of divorce, when applying for benefits.
It is important to keep in mind that the process of applying for Social Security benefits can take several months, so it is important to apply as early as possible.
Conclusion
Navigating the complexities of Social Security benefits after divorce can be challenging, but understanding the different options available can help make the process smoother. By being aware of eligibility requirements, the options for claiming benefits on an ex-spouse’s record, and the possibility of coordinating benefits with an ex-spouse, individuals can make informed decisions about when and how to claim their benefits.
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