10 Year Rule. Positive aspects are calculated primarily based on the month-to-month typical earnings of the protected man or woman. A husband or wife can obtain gains centered on his or her own get the job done file or that of a husband or wife. For a spouse who has not labored or experienced reduced wages, then the decrease-earning husband or wife is entitled to as substantially as 1-50 % of the retired worker’s entire benefit referred to as the Most important Insurance policy Amount of money (PIA). Qualified staff who are thoroughly insured contributors in the Social Safety program will receive the greater of their personal PIA or 50% of the advantage of the partner if it is larger.

Instance: If a Sally has a PIA calculated at $250 for each month and her spouse Jack has a PIA of $1,000 per thirty day period, then Sally is eligible for a reward of $500 for each thirty day period (or 50% of Jack’s bigger PIA).

Divorced spouses who have been married for at the very least ten many years are suitable for added benefits primarily based on the PIA of the other husband or wife.

To start out receiving rewards, just one has to be at least age 62 and not remarried. If the ex-spouse remarries, then gains will be calculated and in contrast to the PIA of the new wife or husband. If that marriage ends by loss of life or divorce, the ex-spouse may be suitable to PIA primarily based on the prior relationship.

The amount of money of advantages that an ex-partner receives does not impact the advantage available to the other partner.

Both partner who is at minimum age 62 and been divorced for at the very least two yrs may well get started to gather positive aspects even if not still retired.


Which of the following people is suitable for retirement advantages less than her first husband’s retirement positive aspects provision of Social Security?

A.) Helen, age 62, married from 1966 to 1980 whose ex-partner was utilized from 1963 through 1998. Helen obtained divorced in 1995, by no means remarried and her ex-husband has died.

B.) Jane, age 62, was married from 1969 to 1983. Her 1st husband was used from 1963 to 2000. Jane has remarried, divorced and remarried yet again.

C.) Judy, age 63, was married from 1961 to 1990 to her very first husband who was employed from 1968 to 2003. Just after the divorce she remarried in 1993 to her 2nd partner who eventually died in 2004.

D.) Emily, age 60, was married to her initially spouse from 1963 to 1988. She remarried in 1994. Her partner experienced worked from 1968 to 1998.

E.) Susan, age 68, was married from 1980 to 1988 to her very first husband who experienced been used from 1963 to 2003. She remarried and divorced her next partner just after 6 yrs.

Centered on these illustrations, only Helen (instance A) is suitable to acquire a reward primarily based on her 1st husband’s work record. They experienced been married for a lot more than 10 yrs, divorced for at minimum 2 a long time and is eligible based on age (in excess of 62).

Jane (case in point B) is not qualified to accumulate dependent on the very first spouse simply because she is remarried.

Judy (illustration C) can obtain underneath her 2nd spouse.

Emily (case in point D) is not still eligible to acquire since she is under age 62.

Susan (example E) is not suitable since she has been married for much less than 10 decades to equally husbands. She would have to rely on her possess operate file for calculating her PIA.

For customized assist, you need to consult with with a skilled financial professional who has been skilled in handling the particular spot of divorce economical preparing these as a Licensed Financial PLANNER (TM) skilled or Qualified Divorce Monetary Analyst.