Full question: I plan on taking Social Security next year at age 70. I am divorced. I was married to my ex for 12 years and have not remarried. I have worked 44 years. If ex’s Social Security amount is larger than mine will I be entitled to that amount? Thank you.

Hi there,

Thank you for reaching out with your question regarding Social Security benefits.

As you were married to your ex-spouse for over 10 years and have not remarried, you are eligible to receive ex-spousal benefits based on your ex-spouse’s record if that amount is higher than your own retirement benefit. The ex-spousal benefit could be up to 50% of your ex-spouse’s full retirement benefit if you claim at your FRA. At age 70, you will automatically receive the higher amount between your own retirement benefit and your ex-spousal benefit.

To determine the exact benefit amount you would receive based on your ex-spouse’s record, you will need to contact the Social Security Administration directly. With personal information about your ex, SSA can provide you with the potential ex-spousal benefit amount and any additional information you may need.

For more detailed information and to discuss your specific situation, it’s best to contact the Social Security Administration directly or consult with a Registered Social Security Analyst (RSSA). Find an RSSA near you.

All the best,
Martha

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