Social Security - Divorced Spousal Benefit

Social Security

Divorced Spousal Benefit Estimator

Educational estimate of your divorced spousal “top-up” using standard reduction rules. Not official SSA.

Values are pre-filled with examples. Replace with your numbers.

Your birth year

Example: 1960

Your birth month

Example: January

Years married to your ex-spouse

Must be 10+ years to qualify.

Are you currently married?

If yes, divorced spousal benefits are usually not available.

Divorce date

If your ex hasn’t filed, SSA often requires you to be divorced 2+ years.

Your PIA (your benefit at your Full Retirement Age)

Example: $1,800

Divorced spousal benefits are based on your ex-spouse’s PIA.

Is your ex-spouse age 62 or older?

If “No” → spousal top-up is $0.

Has your ex-spouse filed for Social Security?

If “No,” the 2-year divorced rule may apply.

Ex-spouse PIA (their benefit at their Full Retirement Age)

Example: $2,600

Optional: Ex-spouse benefit at FRA (if different / known)

Most of the time, this is the same as PIA.

Spousal amounts do not increase after your FRA.

Claim age (years)

Claim age (extra months)