However, filing before your spouse reaches their full retirement age results in a permanent reduction of your benefit. If you have earned 40 credits yourself, you will likely qualify for your own retirement benefit.
How to Apply for SSA Spousal Benefits in 2024
As long as they are eligible to receive benefits, you can file for your share. Conversely, delaying your claim past your full retirement age—up until age 70—can increase your benefit amount.
It is important to note that your ex-spouse does not need to be currently claiming their benefits for you to qualify. You can technically file for spousal benefits as early as age 62.
How to Apply for SSA Spousal Benefits in 2024
The SSA treats these claims the same as they would treat claims for a current spouse, provided the marriage meets the duration requirement. The relationship must have lasted at least one year, and you must be currently married or legally separated.
More About How to apply for ssa spousal benefits
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