Retirement Benefits Your Divorced Spouse

If you are divorced, your ex-spouse can receive benefits based on your record (even if you have remarried) if: 

  • Your marriage lasted 10 years or longer; 
  • Your ex-spouse is unmarried; 
  • Your ex-spouse is age 62 or older; 
  • The benefit that your ex-spouse is entitled to receive based on their own work is less than the benefit they would receive based on your work; and
  • You are entitled to Social Security retirement or disability benefits. 

If you have not applied for retirement benefits, but can qualify for them, your ex-spouse can receive benefits on your record if you have been divorced for at least two years. 

If your ex-spouse is eligible for retirement benefits on their own record, we will pay that amount first. If the benefit on your record is higher, they will get an additional amount on your record so that the combination of benefits equals that higher amount.

If your ex-spouse continues to work while receiving benefits, the same earnings limits apply to them as apply to you. If your ex-spouse is eligible for benefits this year and is also working, you can use our retirement earnings test calculator to see how those earnings would affect those benefit payments.

If your ex-spouse will also receive a pension based on work not covered by Social Security, such as government work, their Social Security benefit on your record may be affected.

 

Source: Social Security Administration: www.ssa.gov