Social Security Divorce Spouse Benefit Calculator
Calculate divorced spouse benefits if marriage lasted 10+ years.
Eligibility Requirements
Marriage ≥10yr:Yes
Age ≥62:Yes
Unmarried:Yes
Must be unmarried (remarriage after age 60 may qualify for survivor benefits). Ex-spouse remarriage does NOT affect your benefit.
Divorced Spouse Benefit Calculation
Ex-Spouse PIA:$ 2000
Max Benefit:$ 1000
Formula:50% of PIA
Early Reduction:$ 350
At Age 62:$ 650
Divorced spouse receives up to 50% of ex-spouse's PIA at full retirement age.
Your Benefit vs Divorced Spouse Benefit
Your Own:$ 800
Divorced:$ 650
Better Option:Own benefit
Benefit Increase:$ 0
Total Benefit:$ 800
SSA pays your own benefit first. If divorced spouse benefit is higher, you get the difference added.
Independent Entitlement Rule
Divorced ≥2yr:Yes
Ex-Spouse Claiming:Not Required
If divorced 2+ years, you can claim divorced spouse benefits even if ex-spouse hasn't filed.
Remarriage Impact
Your Remarriage:OK
Ex-Spouse Remarriage:No Effect
Ex-spouse's remarriage does NOT affect your divorced spouse benefit. Your remarriage generally disqualifies (exception: remarriage after 60).
Divorced Spouse Key Points
- Marriage must have lasted at least 10 years
- Benefit = 50% of ex-spouse's PIA (at FRA)
- Early claim reduces benefit up to 35%
- Your remarriage generally disqualifies
- Ex-spouse remarriage has no effect
- Divorced 2+ years: ex-spouse need not file
- Cannot claim if ex-spouse's benefit is lower
- Can delay own benefit, claim divorced first
- Survivor benefits if ex-spouse dies (100%)
- Apply at SSA with divorce decree