How Divorce Changes Everything: Social Security Rules Every Divorced Person Should Know
Confused by Social Security?
Divorce complicates life—and Social Security. But many divorced individuals have access to benefits they never hear about.
1. The 10-Year Marriage Rule
If you were married 10 years or more, you may qualify for Divorced Spouse Benefits or Survivor Benefits. Your ex doesn’t need to approve it.
2. You Must Be Currently Unmarried
If you remarry before age 60, you lose eligibility for divorced-spouse benefits.
Divorced?
Let’s make sure you’re claiming every dollar you’re entitled to.
3. You May Be Able to Switch Benefits
Sequence options include taking ex-spouse benefits early and switching to your own benefit later. This can dramatically increase your lifetime income.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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