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…

Full question: My spouse and I have been separated for 20 years but not legally divorced. I am planning on applying for my Social Security benefits soon, I am still working but at full retirement age, almost 69 actually. Is there any risk because we are still legally married? Hi there, No, there is no…

Full question: Martha, I am over 62 years old and divorced, we were married over 10 years. My ex-husband is still working he’s 68 years old. I’m still self-employed also, can I file for spousal benefits until I retire at 70 years old? Hi there! The short answer is that yes, it appears that you…

Full question: I am a single woman, 62, caring for my disabled adult child who gets SSDI from his deceased father. Am I also entitled to survivor benefits if got remarried but divorced after 4 years? Hi there, If you were married for ten or more years to your disabled adult child’s father, you are…

Full Question: I am divorced born after 1954, and was married for more than 10 years. My ex-spouse has remarried while I have not, and while I do have some earnings to claim, claiming as an ex-spouse will provide the higher estimate. My concern is that while I have reached FRA, my ex-spouse won’t for…

Hi there, Ex-spouse benefits are based on your ex’s primary insurance amount (PIA), the amount they would receive at their full retirement age (FRA). You may contact the SSA to find out what your ex’s PIA is by providing the information needed to verify your marriage to, and divorce from, the individual. For personalized assistance…