Social Security and Divorce
Can I collect Social Security benefits using my ex-spouse's employment history?
Typical scenario: Husband and wife have been married for twenty years and they get divorced. For the majority of their married life, husband was the bread winner in the family while the wife was a stay-at-home mom. Following the divorce, the wife goes back to work but never makes what her husband. When it comes to retirement, the question is whether the wife can collect social security benefits using her employment record or can she seek social security benefits using her ex-husband's employment record.
In an article today on ABC news, the author said the general rule is:
In addition to the required 10 years of marriage, there are four key qualifications to collect divorced spouse benefits:The person seeking to collect must not have remarried.
This person must be 62 or older.
The benefit this person would collect based on his or her own earnings record must be smaller than what they would collect on their former spouse's earnings history.
And the ex-spouse must be entitled to Social Security retirement or disability benefits on their own.
Another rule is that if you remarry, you generally cannot collect your ex-spouse's benefits unless the current marriage ends in death, divorce, or an annulment. The Social Security Administration also has some good information on their website.
If you or a loved one are contemplating divorce, you should speak with an experienced attorney. At the Kisselburgh Law Firm, we are experienced in representing clients going through a divorce. Call us at 601-936-4040 or contact us online to set up a consultation.
