Earnings based on Ex-spouse
You may be eligible to receive Social Security retirement benefits based on your ex-spouse's earnings record. To do that:
1) Your marriage must have lasted at least 10 years
2) You must be currently unmarried
3) You must be at least 62 years old; and
4) The benefit you would have received based on your own earnings must be less than what you would receive based on the earnings of your ex-spouse.
Earnings based on current spouse
Many spouses who choose to stay at home for extended periods spend a lot of time outside the workforce. This can affect their ability to collect Social Security benefits. In cases where a spouse earns less, they may be eligible for a spousal benefit from Social Security. A spousal benefit can be as much as 50% of the higher earning spouse's benefit at full retirement age. The exact amount depends on whether or not each spouse has reached full retirement age.
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