- 1). Find out if you are eligible to receive benefits based on your ex-spouse's employment. You can find the eligibility requirements at the Social Security Administration's website. The general requirements are that your own benefits would be less than you would receive based on your ex-spouse's work, your ex-spouse is entitled to benefits, you were married to your ex-spouse for at least 10 years, you are unmarried, and you are at least 62.
- 2). Gather documents needed. You will need your original birth certificate and final divorce decree. You also may need your marriage certificate and, if applicable, W-2 form from the previous year, naturalization papers, and military discharge papers.
- 3). Apply for benefits. You can apply online, in person, or over the phone. You must be 61 years old and nine months before applying for benefits. If you decide to go to your local Social Security office, it is a good idea to make an appointment first to reduce your wait time.
- 4). Provide information on your ex-spouse so you can receive any spousal benefits to which you are entitled. Have your ex-spouse's name, date of birth, and Social Security number ready for the application. You also will need the dates of your marriages and how and when they ended.
- 5). Present bank information if you want the benefits to be directly deposited into your account. If you applied prior to your 62nd birthday, you should begin receiving your benefits after turning 62. If you are already 62 or older when applying, you may be able to start your benefits the same month you apply.
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