Dear Liz: I’ve been divorced since 2004. My ex received half of all my pension funds and lives off that and his Social Security. I have not yet drawn Social Security, but I am retired. Am I eligible to receive part of his Social Security? How does that work?
Answer: Yes, if your marriage lasted at least 10 years. If you were born before Jan. 2, 1954, you also have the option of filing a “restricted application” for divorced spousal benefits while allowing your own benefit to continue growing.
Divorced spousal benefits, like regular spousal benefits, allow you to get an amount of up to half your ex’s benefit. The amount would be reduced if you start before your own full retirement age, which is currently 66 and rising to 67 for those born in 1960 and later. If you start at age 62, for example, you would get about one-third of his benefit, rather than half. (Your claim doesn’t take money away from him or any of his current or former spouses, in case you were concerned.)
Regular spousal benefits require that the primary worker has started his or her own retirement benefit. Divorced spousal benefits don’t have that requirement: You both just need to be at least 62. Also, the divorced benefit is based on the primary earner’s benefit at his or her full retirement age. With regular spousal benefits, the amount is typically based on what the primary earner actually receives, which could be less if the primary earner started benefits early.
If you were born on or after Jan. 2, 1954, you can’t file a restricted application. Instead, you’ll be deemed to be applying for both your own benefit and the divorced spousal benefit, and given the larger of the two amounts. You can’t switch to your own benefit later.
If your ex should die before you do, you also would be eligible for a divorced survivor benefit that is up to 100% of his. That has the unfortunate effect of making your ex worth more to you dead than alive.
You CAN’T file a restricted application before reaching 66. I called SS and tried, but told it can’t be done. Researched it and they are correct.
You’re right! I should have made that clearer in the response.
What if a Federal Retiree, whose benefit is being reduced, wants to apply for divorced spousal benefits. I’m 66 and began benefits at 62, she is 65 and doesn’t plan on applying until 70. I’m a CSRS retiree, and my monthly benefit, after medicare premiums, is about $58.
Your spousal benefit would be reduced as well, perhaps more. WEP can’t eliminate your SS benefit entirely, but the government pension offset that applies to spousal benefits can. More here: https://www.aarp.org/retirement/social-security/questions-answers/wep-gpo-difference/