Most people who are married assume that they will remain married for many years to come, and most likely indefinitely. However, this is not always the case; sometimes, divorce is the best course of action for a couple to pursue. However, a divorce can throw a wrench in more than just one’s emotional state – divorce can shake up one’s financial plans, too. If you were counting on your spouse’s record as it pertains to Social Security benefits, but have since divorced, you may still be able to collect benefits on an ex-spouse’s record in St. John. Here’s what you need to know:
You are permitted to collect Social Security benefits on the record of your ex-spouse in St. John when the following criteria are satisfied:
The ability to collect benefits on the record of an ex-spouse applies even to those who have not earned any of their own work credits, or who have not earned enough work credits to qualify for Social Security benefits.
A common question that we hear from those near retirement age in St. John pertains to the situation in which one party wants to claim benefits on the record of their ex-spouse, but the ex-spouse has not yet started claiming benefits. For example, party A and party B were married for 15 years, and have been divorced for three. Both parties are 62 years old, and therefore eligible to start claiming benefits from the Social Security Administration. However, party B–the party on whose record benefits will be claimed–does not want to start claiming their retirement benefits yet, but prefers to wait until they reach full retirement age. Can Party A claim on party B’s record regardless?
The answer is yes. A spouse can receive benefits on the record of their ex-spouse, even if the latter has not begun claiming benefits, as long as they have been divorced for at least two years and all of the other conditions for claiming benefits on the record of an ex-spouse are satisfied.
If you have more questions about how to collect an ex-spouse’s benefits in St. John, we can help provide the answers that you are looking for. At Harvest Social Security QA, we host free Social Security workshops for members of the St. John community that are designed to provide you with important information. To take advantage of this educational opportunity, sign up for a workshop near you online today.
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