[stock-ticker]

Social Security Q&A: If We’re Both on Disability, Can I Collect On My Ex’s Record?

SS photo cropped

Question: I am 52, my husband is 60, and we both collect Social Security disability insurance. If we get divorced, can I collect money from his disability?

Answer: If you have been married for 10 or more years, you can collect an excess spousal benefit starting at age 62, but it will be reduced because you are taking it before you reach full retirement age. If your husband dies before you get divorced, you can collect survivor benefits, which are available from age 50 onward. If your husband dies after you get divorced, you may still collect survivor benefits, again, assuming you were married for 10 or more years.

_________

When it comes to personal finance, economics and our software care about one thing—your living standard. All questions in personal finance boil down to your living standard. Your decision about when and how to take Social Security can affect your living standard throughout your retirement.

I am a professor of economics and I’ve spent a good part of my academic career studying personal financial behavior. Here’s why my colleagues and I developed Maximize My Social Security. Deciding, on your own, which Social Security benefits to take and in which month to take them is incredibly difficult. Most households face millions of options. You can easily lose tens of thousands of dollars making the wrong choices.

My company’s software, Maximize My Social Security, can help you avoid costly mistakes and instead discover your maximized lifetime household benefits.

Share This Post

Related Articles

Powered by WordPress · Designed by Theme Junkie
Facebook IconTwitter Icon