Divorced After 10 Years? Social Security Owes You Up to $1,500 a Month

<h3>Quick Read</h3>
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<li> <p class="yf-1fy9kyt">Social Security offers divorced individuals married 10+ years and age 62+ the ability to claim up to 50% of an ex-spouse’s full retirement age benefit (worth potentially $1,500/month or more) without reducing the ex-spouse’s own benefit, and this can be claimed independently without waiting for the ex to file first.</p></li>
<li> <p class="yf-1fy9kyt">Claiming a spousal benefit before full retirement age while employed triggers an earnings cap of $24,480 annually with $1 withheld per $2 earned above that threshold, and delaying a spousal claim past full retirement age provides no increase unlike delayed retirement credits that boost earned benefits.</p></li>
<li> <p class="yf-1fy9kyt">A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality.</p><a href="https://247wallst.com/lp/the-simple-habit-that-can-double-americans-retirement-savings-and-why-you-should-start-today/?i=3f11edf4-7864-497e-be64-65eb2d7eb2b4&amp;p=ebadc3d1-a33c-4a9b-912c-8b2543ac0c0b&amp;pos=keypoints&amp;tpid=1566918&amp;utm_source=yahoo&amp;utm_medium=referral&amp;utm_campaign=feed&amp;utm_content=feed||1566918">Read more here</a>.</li>
</ul>
<p>A woman in her mid-60s, divorced after 22 years of marriage, recently posted on Reddit's r/retirement forum asking whether she had "missed her window" to collect anything from Social Security based on her ex-husband's work record. She hadn't. She was eligible for a benefit she didn't know existed, worth over $1,000 a month.</p>
<p>That confusion is common. The rule allowing divorced spouses to claim on an ex's record is one of the least understood in Social Security, and for people over 62 married for a decade or more, it can be one of the most valuable.</p>
<h2>The Rule That Surprises Most People</h2>
<p>If your marriage lasted at least 10 years, you are currently unmarried, and you are 62 or older, you can claim a spousal benefit based on your ex-spouse's record. You must also have been divorced for at least two years. You do not have to wait for your ex to file first. You can claim independently, on your own timeline.</p>
<p>Read: <a href="https://247wallst.com/lp/the-simple-habit-that-can-double-americans-retirement-savings-and-why-you-should-start-today/?i=3f11edf4-7864-497e-be64-65eb2d7eb2b4&amp;p=d474a5a7-790a-4f9f-bfcb-02fc45c14ad3&amp;pos=mid_content&amp;tpid=1566918">Data Shows One Habit Doubles American’s Savings And Boosts Retirement</a></p>
<p>Most Americans drastically underestimate how much they need to retire and overestimate how prepared they are. But data shows that <a href="https://247wallst.com/lp/the-simple-habit-that-can-double-americans-retirement-savings-and-why-you-should-start-today/?i=3f11edf4-7864-497e-be64-65eb2d7eb2b4&amp;p=d474a5a7-790a-4f9f-bfcb-02fc45c14ad3&amp;pos=mid_content&amp;tpid=1566918">people with one habit</a> have more than double the savings of those who don’t.</p>
<p>Claiming this benefit does not reduce your ex-spouse's monthly check by a single dollar. Their benefit is completely unaffected. Social Security pays each benefit separately.</p>
<p>The maximum you can receive is 50% of your ex-spouse's full retirement age (FRA) benefit, the amount they would receive at their full retirement age. If your ex-spouse's FRA benefit is $3,000 per month, you could receive up to $1,500 per month in 2026.</p>
<p>One detail that catches people off guard: delaying your claim past your own full retirement age does not increase a spousal benefit. Delayed retirement credits, which boost your own earned benefit by 8% per year up to age 70, do not apply to spousal benefits. There is no financial reward for waiting beyond FRA if you are claiming on an ex's record.</p>