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Navigating Social Security: A Guide to Spousal Benefit Rules for Divorced Individuals

Social Security benefits play a crucial role in the financial security of many individuals, including divorced individuals. Understanding the spousal benefit rules for divorced individuals can help you maximize your Social Security benefits and make informed decisions about your retirement planning. In this article, we will delve into the intricacies of Social Security spousal benefits for divorced individuals and provide guidance on how to navigate this aspect of retirement planning effectively.

1. Eligibility for Spousal Benefits

Divorced individuals may be eligible for spousal benefits based on their ex-spouse’s work record if certain conditions are met. To qualify for spousal benefits as a divorced individual, you must have been married to your ex-spouse for at least 10 years, be currently unmarried, be 62 years of age or older, and your ex-spouse must be eligible for Social Security benefits.

2. Maximum Benefit Amount

The maximum spousal benefit you can receive as a …