If i am married 10 yrs can i draw on my 2nd husbands social security?

Q) If i am married 10 yrs can i draw on my 2nd husbands social security?

A) Yes, you may be able to draw on your second husband’s Social Security if you have been married for at least 10 years and are at least 62 years old. However, there are a few other requirements you must meet in order to be eligible for spousal benefits.

To be eligible for spousal benefits, you must:

  • Be married to your spouse at the time he or she files for Social Security retirement or disability benefits.
  • Have been married to your spouse for at least 10 years.
  • Be at least 62 years old.
  • Not be entitled to a higher Social Security benefit based on your own work record.

If you meet all of these requirements, you may be able to receive up to 50% of your spouse’s full retirement benefit. Your benefit amount will be based on your spouse’s earnings record and your age at the time you start receiving benefits.

If you are remarried, you may still be eligible for spousal benefits from your first husband if the second marriage ends in divorce or death. However, you will not be eligible for spousal benefits if you are remarried to someone who is also receiving Social Security benefits based on their first marriage.

To apply for spousal benefits, you can visit your local Social Security office or file online. You will need to provide your Social Security number, your spouse’s Social Security number, and proof of your marriage. You may also need to provide proof of your age and citizenship.

If you are approved for spousal benefits, you will start receiving benefits the month after you file your application. Your benefits will be paid monthly and will continue as long as you meet the eligibility requirements.

According to the Social Security Administration: If you are age 62, unmarried, and divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record.

There are other rules, of course. You must have been married to your ex-spouse for 10 years or more. If you’ve remarried, you can’t collect benefits on your former spouse’s record unless your later marriage ended by annulment, divorce, or death. Also, if you’re entitled to benefits on your own record, your benefit amount must be less than you would receive based on your ex-spouse’s work. In other words, we’ll pay the higher of the two benefits for which you’re eligible, but not both.

You can apply for benefits on your former spouse’s record even if he or she hasn’t retired, as long as you have been divorced at least two years before applying. After you reach full retirement age, you can elect to receive only the divorced spouse benefits and delay benefits on your own record, which may mean a higher monthly amount for you. If you decide to wait until full retirement age to apply as a divorced spouse, your benefit will be equal to half of your ex-spouse’s full retirement or disability benefit amount.

The same rules apply for a deceased former spouse. The amount of benefits you get has no effect on the benefits your ex-spouse or his or her current spouse receives. If your ex-spouse died after you divorced, you can still qualify for widow’s benefits.

Our Benefits Planner gives you an idea of your monthly benefit amount. If your ex-spouse died after you divorced, you can still qualify for widow’s benefits. Visit Retirement Planner: If You Are Divorced to find all the eligibility requirements you must meet to apply as a divorced spouse. http://blog.ssa.gov/ex-spouse-benefits-and-you/

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