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If you’re divorced (or thinking about it) and wondering how it might impact your Social Security, this video is for you. I explain everything you need to know about waiting two years after divorce to draw spousal benefits—including why the 10-year marriage rule is critical, when you’re eligible to draw on your ex-spouse’s record, and how having multiple 10-year marriages can give you options. I also walk through how claiming early affects your monthly check, how widow benefits work, and when it might make sense to switch between different benefit types. This can all feel confusing, but don’t worry—I break it down step-by-step so you know what to expect and how to plan.

00:00 – Does divorce impact your Social Security?
00:20 – The 10-year marriage rule explained
01:05 – Age requirements for drawing spousal benefits
01:24 – Why you have to wait two years after divorce
01:40 – How prior marriages affect your options
02:30 – Switching from one ex-spouse’s record to another
03:00 – Widow benefits: choosing the higher amount
03:40 – Claiming at age 62 vs. full retirement age
04:30 – Why Social Security benefits are locked in
05:10 – When widow benefits can increase your income

The Medicare Family has been making Medicare and Social Security easy for 40+ years, across all 50 states. And each year, our family continues to help more and more people with how Medicare works, when to take Social Security, and how to find the best Medicare plans. We know that learning about your retirement benefits can be confusing. And it’s hard to find a trusted source of information. We get it! That’s the reason we do what we do.

😄 Visit our website for more in-depth information on Medicare & Social Security: https://themedicarefamily.com