If your marriage lasted at least 10 years and you are unmarried, you may qualify for benefits based on your ex-spouse’s work record. For example, if your full retirement age is 66 or 67, claiming at 62 might reduce your payment by roughly 25% to 30%.
Surviving Spousal Benefits Application: A Step-by-Step Guide
You must weigh the immediate income needs against the long-term financial impact of claiming early. As long as they are eligible to receive benefits, you can file for your share.
The relationship must have lasted at least one year, and you must be currently married or legally separated. If you have earned 40 credits yourself, you will likely qualify for your own retirement benefit.
Surviving Spousal Benefits Application: A Step-by-Step Guide
You will need to gather specific documentation to verify your identity, marital status, and your spouse’s work information. Your own work history plays a role in your decision-making.
More About How to apply for ssa spousal benefits
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