FROM:  Denise Jacobson

 

Q: When considering my retirement, I am wondering: Is it financially advantageous for me to remain single?

We were married for 26 years, and divorced three years ago. We are both in our 50s.

As I understand it, I can claim half of my ex-husband's Social Security at retirement age, and defer mine until age 70.  He currently makes a very good living, and half of his income will be worth more than all of mine. 

What are Social Security's rules regarding benefits from a former spouse? Are there any stipulations to this rule that I should be aware of? Thank you!