1. A marriage of at least 10 years triggers social security rights.
2. Ten years is defined as Date of Marriage to Date of Divorce. So, for example, even if you separated with your spouse at eight years, you may still be able to collect social security based on your ex spouse’s record, so long as the divorce was not finalized until you hit that 10-year mark.
3. Your benefit as a divorced spouse is equal to one-half of your ex-spouse’s full retirement or social security disability benefit (assuming you start receiving benefits at your full retirement age). If you begin drawing from social security before your full retirement age, your benefits will be reduced.
4. Social security benefits that you (ultimately) receive based on your ex-spouse’s contributions to social security do NOT reduce your ex’s benefit.
You have questions and we have the answers. Sign up for a free subscription to read on more need to know facts about social security as they pertain to divorce.