How your ex could boost your Social Security benefits

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How your ex could boost your Social Security benefits
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You may qualify for benefits based on your ex's work record if your marriage lasted at least 10 years.

benefits derived from their ex-spouse's work history, said William Meyer, founder of Social Security Solutions, a website that helps people determine when and how to claim Social Security. Those who are aware of the benefits often misunderstand crucial details and can make decisions that cost them tens of thousands of dollars over their lifetimes, he said.

If your ex is still alive and you haven't remarried, you may qualify for divorced spousal benefits. This benefit could be up to 50% of what the ex would get at full retirement age, which is currently between age 66 and 67. To apply, you must be at least 62. Your ex must be at least 62 as well, or receiving Social Security disability benefits. If your ex is entitled to retirement benefits but hasn't started them, at least two years must have passed since the divorce for you to qualify for a divorced spousal benefit.

Making the right choice is important because you can't switch from a divorced spousal benefit to your own benefit later — even if your own is eventually larger. If Rivera's ex dies before she does, she could be eligible for a different payment: divorced survivor benefits.

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