Question

What is the 10-year marriage rule for divorced women and Social Security?

Answer

If you were married for at least 10 years before divorcing, you may be eligible to collect a Social Security benefit based on your ex-spouse’s earnings record — up to 50% of their benefit at your full retirement age, or up to 100% if they have passed away. This benefit does not reduce what your ex-spouse receives, and you don’t need your ex’s knowledge or cooperation to apply. A Mercer Advisors wealth advisor can help you compare both options before you claim.

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