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Should you be considering your ex’s SSA benefits post-divorce?

Although the below subject matter can apply with equal importance to both divorced men and women, it is the latter demographic we most emphasize in today’s post.

When a topic relates to whether a divorced individual in Connecticut or elsewhere should seek to claim an ex-partner’s Social Security benefits, the general focus must necessarily be upon divorced wives.

Here is why: Men more often than women have higher monthly pay-out SS benefits. For many older divorced couples, it was the husband who compiled the longer work record during marriage. It will thus be his monthly paycheck that will be comparatively larger.

Although that is not always true, of course, it is often the case among baby boomer-aged divorced couples.

And, thus, it frequently does make sense for a divorced wife to closely investigate whether it makes financial sense to claim on a former husband’s lifetime work history.

Unsurprisingly, there are a number of rules relevant to that, and any would-be applicant needs to fully understand them in order to make an informed decision that can have material consequences down the road.

The overriding initial point to note is this: A divorced party can claim on an ex’s work record provided that a marriage lasted at least a decade and the applicant hasn’t remarried following divorce. Additionally, an applicant needs to be at least 62 to claim benefits (with limited exceptions).

Again, doing some homework prior to acting on SS benefits is crucial for making the right choice. A proven divorce attorney can provide relevant input on the matter, as well as provide referrals to other professional advisers in the event that their advice helps promote a client’s understanding and sound decision making.

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