Divorced Spouse Social Security Calculator
If you were married for 10+ years and are now divorced and unmarried, you may claim Social Security on your ex-spouse's record — without their knowledge or consent. The benefit is up to 50% of their PIA at full retirement age. Calculate your eligibility and amount.
Eligibility Requirements
To claim Social Security on an ex-spouse's record: (1) Marriage lasted 10+ years. (2) You are currently unmarried. (3) You are 62 or older. (4) The benefit on your ex's record is greater than your own. (5) Your ex is 62 or older. If you have been divorced 2+ years, your ex does not need to have filed for benefits.
How The Benefit Is Calculated
At your full retirement age (FRA), the divorced spouse benefit equals 50% of your ex-spouse's PIA. Claiming early reduces the benefit: 25/36 of 1% per month for the first 36 months before FRA, then 5/12 of 1% per month for any additional months earlier. There is no delayed retirement credit — claiming after FRA does not increase the benefit.
Multiple Ex-Spouses
If you have multiple 10+ year marriages that ended in divorce, you can claim on whichever ex-spouse's record provides the highest benefit. Remarriage cancels eligibility unless the new marriage also ends. Survivor benefits work differently — remarriage after age 60 does not disqualify.
Source: SSA.gov Publication 05-10084 Benefits for Divorced Spouses, 2026 PIA formulas. Last updated: May 2026.