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1) To guarantee receiving your Social Security retirement benefits, the main information and factors you need are:


2) To apply for spousal benefits from a retired ex-spouse, follow these steps:


1. Work Credits:


You must accumulate a minimum of 40 work credits, which typically equals 10 years of work. Credits are earned based on your annual income, and you can earn up to four credits per year.




2. Social Security Number (SSN):


Your SSN is crucial for tracking your earnings and work history, which are used to calculate your benefits.




3. Full Retirement Age (FRA):


You must reach your full retirement age, which is typically between 66 and 67, depending on the year you were born. You can start receiving benefits as early as age 62, but the amount will be reduced.




4. Earnings Record:


Your benefits are calculated based on your highest 35 years of earnings. The Social Security Administration (SSA) averages your income over those years, adjusting for inflation.




5. Application for Benefits:


You must apply for your retirement benefits through the SSA, either online, by phone, or in person. Benefits are not automatically granted without filing a claim.




6. Proof of Identity and Age:


Documents such as your birth certificate and proof of citizenship or lawful residency may be needed when applying for benefits.


Ensuring all of the above information is accurate and on record with the SSA will help guarantee you receive your retirement benefits.



To apply for spousal benefits from a retired ex-spouse, follow these steps:


Eligibility Requirements:


1. Marriage Duration: You must have been married to your ex-spouse for at least 10 years.



2. Divorce Status: You must be divorced for at least 2 years (unless your ex is already receiving benefits).



3. Age: You must be at least 62 years old.



4. Your Own Benefits: You must not be remarried, and your spousal benefit should be larger than your own retirement benefit.



5. Ex-Spouse's Eligibility: Your ex-spouse must be at least 62 and eligible for Social Security benefits, though they do not need to be receiving them.




Steps to Apply:


1. Gather Documentation:


Your Social Security Number (SSN).


Your ex-spouse's SSN (if available).


Proof of marriage and divorce (e.g., marriage certificate and divorce decree).


Your birth certificate.


Bank information for direct deposit (if desired).




2. File Your Application:


Online: You can apply online through the Social Security Administration website.


By Phone: Call the Social Security office at 1-800-772-1213 (or 1-800-325-0778 for TTY).


In-Person: Visit your local Social Security office by making an appointment.




3. Select Spousal Benefits:


When applying, you will be prompted to indicate that you are claiming divorced spousal benefits.





Additional Notes:


Amount: The spousal benefit can be up to 50% of your ex-spouse's full retirement benefit, but the exact amount depends on your age and your ex-spouse’s earnings.


No Impact on Ex-Spouse: Your claim will not affect your ex-spouse's benefits or those of their current spouse (if remarried).



Once your application is approved, you will start receiving monthly spousal benefits.



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