Divorced? You might still qualify for Social Security spousal benefits based on your ex’s work record—here’s how: you must be at least 62, your ex must be eligible for retirement or disability, and you need at least 10 years of marriage before the divorce. You can’t be married now, and your own earnings shouldn’t exceed the benefit. If your ex hasn’t started collecting, you both need to be 62 and the divorce must be final for at least two years. You could receive up to 50% of your ex’s full benefit—so if they get $3,000, you could get $1,500—with no impact on their payout. Remarrying disqualifies you, but if that later marriage ends, you may reclaim eligibility on your earlier ex’s record—just make sure all rules still apply. This could be a game-changer for your finances after divorce.
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