--- title: This Little-Known Social Security Rule Can Pay Off for Those Remarrying Later in Life description: A little-known rule allows some people to collect a Social Security retirement benefit based on an ex-spouse even after remarrying. authors: - name: Kerri Anne Renzulli url: https://money.com/author/kerri-anne-renzulli/ at_money_since: 2014 articles: 185 covers: - Retirement - Banking - Business - Career Advice - Credit - Credit Cards - Economy and Politics - Education - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Personal Finance - Pets - Shopping - Taxes social: - https://x.com/kerenzulli former_staff: true published: '2017-06-05T10:00:10.000Z' modified: '2024-04-17T05:52:34.000Z' section: Retirement tags: - Social Security - lookingforward word_count: 309 canonical: https://money.com/social-security-rule-remarriage-later-in-life/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![170605-social-security-loophole](https://img.money.com/2017/06/170605-social-security-loophole.jpg) If you're divorced from a high-earning ex and thinking of tying the knot again, there's a little-known Social Security rule that might enable you to collect thousands of dollars more in benefits over your lifetime. You typically forfeit any retirement benefit [based on your ex’s work record](https://money.com/divorce-social-security-benefits-ex-spouse/) when you are remarried—and that can be a steep loss if you and your new love were stay-at-home parents or haven’t earned as much as a previous spouse over your careers. Some older couples even decide not to make their union official because they would see their Social Security benefits reduced. But there’s a special rule that can help, provided you are both already drawing Social Security benefits based on a former spouse’s work record, says CPA Mike Piper, author of [*Can I Retire?*](https://www.amazon.com/gp/product/0997946504/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&tag=money018f-20&camp=1789&creative=9325&linkCode=as2&creativeASIN=0997946504&linkId=ca602528f182e82e13b477e867b51d51). If you qualify, you can both keep collecting the benefits based on your previous partner, even after saying "I do" to each other. Who gets to take advantage of this rule? At least one of you must be collecting a [divorced spousal retirement benefit](https://www.ssa.gov/planners/retire/divspouse.html) at the time you wed. Usually the earliest age at which you can claim is 62. The other of you must be collecting based on a previous marriage either as a divorced spouse or a widow/widower or as a survivor of an ex-spouse who died. (To qualify for retirement or survivor benefits on your ex-spouse's record, you must have been married 10 years or longer.) There's a separate rule that can help when widows and widowers remarry: Remarriage after reaching age 60 doesn't affect a [survivor's eligibility](https://www.ssa.gov/planners/survivors/ifyou2.html) to draw on a former partner's record. If you want to take advantage of the rule for divorced spouses, Piper suggests you take a copy of the [provision](https://secure.ssa.gov/poms.nsf/lnx/0300202045) with you when you visit the Social Security office, as not all staff may be aware of this rule. ```json { "@context": "https://schema.org", "@graph": [ { "@type": "BreadcrumbList", "@id": "https://money.com/social-security-rule-remarriage-later-in-life/#breadcrumb", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://money.com" }, { "@type": "ListItem", "position": 2, "name": "Retirement", "item": "https://money.com/retirement/" }, { "@type": "ListItem", "position": 3, "name": "Social Security", "item": "https://money.com/social-security/" }, { "@type": "ListItem", "position": 4, "name": "This Little-Known Social Security Rule Can Pay Off for Those Remarrying Later in Life" } ] }, { "@type": "WebSite", "@id": "https://money.com/#website", "url": "https://money.com", "name": "Money", "publisher": { "@id": "https://money.com/#organization" } }, { "@type": "WebPage", "@id": "https://money.com/social-security-rule-remarriage-later-in-life/#webpage", "url": "https://money.com/social-security-rule-remarriage-later-in-life/", "name": "This Little-Known Social Security Rule Can Pay Off for Those Remarrying Later in Life", "isPartOf": { "@id": "https://money.com/#website" }, "datePublished": "2017-06-05T10:00:10.000Z", "mainEntity": { "@id": "https://money.com/social-security-rule-remarriage-later-in-life/" }, "inLanguage": "en-US", "breadcrumb": { "@id": "https://money.com/social-security-rule-remarriage-later-in-life/#breadcrumb" }, "dateModified": "2024-04-17T05:52:34.000Z" }, { "@type": "Article", "headline": "This Little-Known Social Security Rule Can Pay Off for Those Remarrying Later in Life", "articleSection": "Retirement", "image": [ { "@type": "ImageObject", "url": "https://img.money.com/2017/06/170605-social-security-loophole.jpg", "width": 2100, "height": 1402, "caption": "170605-social-security-loophole" } ], "author": [ { "@type": "Person", "name": "Kerri Anne Renzulli", "url": "https://money.com/author/kerri-anne-renzulli/", "@id": "https://money.com/author/kerri-anne-renzulli/#author", "image": "https://img.money.com/2014/05/14-05-21_bio_author_renzulli.jpg?quality=85&w=190&h=190&crop=1", "email": "kerri.renzulli@moneymail.com", "sameAs": [ "https://x.com/kerenzulli" ] } ], "publisher": "https://money.com/#organization", "datePublished": "2017-06-05T10:00:10.000Z", "description": "A little-known rule allows some people to collect a Social Security retirement benefit based on an ex-spouse even after remarrying.", "abstract": "A little-known rule allows some people to collect a Social Security retirement benefit based on an ex-spouse even after remarrying.", "@id": "https://money.com/social-security-rule-remarriage-later-in-life/", "inLanguage": "en-US", "dateModified": "2024-04-17T05:52:34.000Z", "wordCount": 309, "keywords": [ "Social Security", "lookingforward" ], "about": [ { "@type": "Thing", "name": "Retirement", "sameAs": [ "https://en.wikipedia.org/wiki/Retirement" ] }, { "@type": "Thing", "name": "Social Security (United States)", "sameAs": [ "https://en.wikipedia.org/wiki/Social_Security_(United_States)" ] } ] } ] } ```