Yes, it is possible for a divorced spouse to claim Social Security benefits based on their former partner's work record if certain conditions are met. Here are the key eligibility criteria:
The marriage must have lasted for at least ten years: To be eligible for Social Security benefits based on your ex-spouse's work record, your marriage must have lasted for at least ten years.
You must be unmarried: To claim benefits on your ex-spouse's record, you must not be remarried. However, there is an exception: if you remarried after age 60, you may still be eligible.
You must be at least 62 years old: To claim Social Security benefits on your ex-spouse's record, you must be at least 62 years old. However, if you claim benefits before your full retirement age, your benefits may be reduced.
Your ex-spouse must be eligible for benefits: For you to claim benefits based on your ex-spouse's work record, your ex-spouse must be eligible for Social Security retirement benefits. Additionally, your ex-spouse does not have to be receiving the benefits themselves for you to be eligible.
Your benefit must be less than your ex-spouse's benefit: If you are eligible for benefits based on your own work record, but the benefit you would receive from your ex-spouse's work record is higher, you can claim the higher benefit.
It's essential to note that if you claim Social Security benefits based on your ex-spouse's work record, it will not affect the benefits your ex-spouse or their current spouse is eligible to receive.
It's always a good idea to consult with the Social Security Administration or a financial advisor to understand the specifics of your situation and determine the best course of action for your retirement planning.