What Divorced Women Should Know About Social Security

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Tips and Strategies for Divorced Women

According to the Social Security Administration (SSA) if you are divorced, but your marriage lasted 10 years or longer, you can receive benefits on your ex-spouse’s record (even if he or she has remarried) if (1) you are unmarried, (2) you are age 62 or older, (3) your ex-spouse is entitled to Social Security retirement or disability benefits, and (4) the benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse’s work.

Your benefit as a divorced spouse is equal to one-half of your ex-spouse’s full retirement amount (or disability benefit) if you start receiving benefits at your full retirement age (FRA) if:

  • You remarry, you generally cannot collect benefits on your former spouse’s record unless your later marriage ends (whether by death, divorce or annulment).
  • Your ex-spouse has not applied for retirement benefits, but can qualify for them, you can receive benefits on his or her record if you have been divorced for at least two years.

Some women sign divorce decrees relinquishing their rights to Social Security on their ex-husband’s work record. If you were married at least 10 years, those clauses in divorce decrees are worthless and are never enforced.

If you meet the requirements listed above, were married more than once and each marriage lasted ten years or longer, and you have been divorced for at least two years, you may receive benefits from the spouse you select if you are not now married again. (Make sure to inform the SSA of all your marriages that qualify you for ex-spousal benefits.) Larry Kotlikoff of Boston University provides this example, let’s say that the low-earner ex-spouse is over 62 and the high-earner ex-spouse will be 62 in several years. You could claim ex-spousal benefits on the low-earner ex-spouses work record, then when the higher earner ex-spouse turns 62 switch to the higher earner ex-spousal benefits and increase the amount of monthly benefits you receive.

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Need a New Social Security Card?

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All you Need is to Know Your Social Security Number

Have you lost your Social Security card? Do you need a new Social Security card? You probably don’t—as long as you know your number. For all intents and purposes, your number is your card. Usually providing your number and identifying information is enough. In the event that you really do want or need a replacement card, for yourself or for a child, you can find all the details you need at the “Social Security Number and Card” page at www.socialsecurity.gov/ssnumber. This page provides information on how to obtain a replacement card and what specific documents you need to provide. Check it out if you really need a new card. But keep in mind: You may just need to know your number. Your card is already in your head. Note: Some businesses offer Social Security name changes or cards for a fee. The Social Security Administration (SSA)  provides those services for free. Do not pay for something the SSA  will give you free of charge. 

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