Social Security Benefits for Divorced Spouses
Divorced spouses can claim benefits on an ex-spouse's record if the marriage lasted 10 years, they are unmarried, and they are 62+.
Divorced spouses can claim benefits on an ex-spouse's record if the marriage lasted 10 years, they are unmarried, and they are 62+.
If your marriage lasted 10 years or more, you are unmarried (or remarried after 60), and you are at least 62, you may claim a benefit on your ex-spouse's record — up to 50% of their PIA at FRA, reduced if you claim earlier. Your ex does not need to know, and their own claiming does not affect yours.
You can also receive the higher of your own benefit or the divorced-spouse benefit. If your ex-spouse has died, you may qualify for survivor benefits (as early as 60, or 50 if disabled) even if you remarried after 60.
Estimate the amounts with the spousal benefit calculator — use your ex's PIA as the "spouse" benefit — and confirm eligibility at ssa.gov.
Frequently Asked Questions
How long must I have been married?
At least 10 years. The benefit is up to 50% of your ex-spouse's PIA, reduced if you claim before FRA.
Does my ex need to file first?
For a divorced-spouse benefit, no — unlike current spouses, you can claim once you are 62 and the marriage lasted 10+ years, even if your ex has not filed.
Can I get survivor benefits as an ex-spouse?
Yes — after your ex dies you may claim survivor benefits from age 60 (50 if disabled), regardless of whether you remarried after 60.