Q) I am divorced, married min. 10 yrs, never remarried, and am trying to retire at age 62. I would like to talk about applying for divorced spouse social security, an estimate of how much it would amount to, how to go about applying and what paperwork I would need to apply. I would like to hold off applying for my own social security until I am 65. Can I make an appt. or talk to someone by appt on the phone?
A) According to the social security administration – 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:
You are unmarried;
You are age 62 or older;
Your ex-spouse is entitled to Social Security retirement or disability benefits and
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.