Q: divorce after 23 years, will I still be entitled to draw off my husbands social security if I DO NOT REMARRY.
A:
That's a good question: the Social Security Administration (SSA) has information online for divorced spouses:
Retirement benefits: https://www.ssa.gov/planners/retire/divspouse.html
Survivor's benefits: https://www.ssa.gov/planners/survivors/ifyou3.html
For retirement benefits, the SSA says:
If you are divorced, but your marriage lasted 10 years or longer, you can receive benefits on your ex-spouse's record (even if he or she has remarried) if:
* You are unmarried;
* You are age 62 or older;
* Your ex-spouse is entitled to Social Security retirement or disability benefits and
* The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse's work.
Your benefit as a divorced spouse is equal to one-half of your ex-spouse's full retirement amount (or disability benefit) if you start receiving benefits at your full retirement age. The benefits do not include any delayed retirement credits your ex-spouse may receive.
For survivor's benefits, the SSA says:
If you are the divorced spouse of a worker who dies, you could get benefits just the same as a widow or widower, provided that your marriage lasted 10 years or more.
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