Full question: I am 62, was married to my ex-spouse for 22 years, been divorced for 9 years, am not remarried, and have no dependents. My ex-spouse is a high earner and is 61 years old. My Social Security benefits are less than 50% of my ex-spouse benefits. I want to apply to receive my benefits now, at the age of 62 based on my earnings, but later switch to benefits based on my ex-spouse earnings. Is it possible? And if yes – can I switch at my FRA?

Hi there,

You are definitely eligible for ex-spousal benefits.

However, the benefit you receive – your own retirement or the ex-spousal – will depend on the age you apply and the amounts of each of those benefits at that time.

Both benefits are reduced amounts if claimed at age 62.

The highest ex-spousal benefit amount is received if you claim at FRA and your own retirement benefit amount will increase up to age 70. These are the types of cases that a Social Security analysis by an RSSA can help you determine the best strategy. You can work with an RSSA here.

Best of luck,
Martha

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