Ask Larry

If I am approved for ss disability at age 53, can I draw on what my ex husbands amount would be if he became disabled? If not, can I switch to his amount at age 62?

Hi,

No, not if your ex-husband is still living. You must be at least age 62 to qualify for divorced spousal benefits. However, eligibility for surviving divorced spousal benefits can start as early as age 50 if the surviving ex-spouse is disabled.

If you're receiving disability benefits and your ex is still living when you reach age 62, you may be eligible for a reduced excess divorced spousal benefit. His full retirement age benefit amount would have to be more than twice as much as your disability benefit for you to be eligible, though.

Best, Jerry