Full question: Will I get 50% of my ex-spouse’s Social Security along with my own Social Security when I reach FRA if I care for his DAC?

Hi there,

Thank you for reaching out with your question.

If you are caring for your ex-spouse’s disabled adult child (DAC), you may be eligible to receive benefits on your ex-spouse’s record even before reaching full retirement age (FRA). However, once you reach FRA, if you are eligible for both your own retirement benefit and the spousal benefit, you will receive the higher of the two, not both combined.

The spousal benefit could be up to 50% of your ex-spouse’s full retirement benefit if you claim at your FRA. If you claim the spousal benefit before your FRA, it will be reduced. The amount you receive as a caregiver for the DAC is separate and does not impact your retirement or spousal benefits.

For a precise calculation and to understand how these benefits may apply to your specific situation, it’s best to contact the Social Security Administration directly or consult with a Registered Social Security Analyst (RSSA). You can find an RSSA near you here.

Take care,
Martha

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