I was married for 15 years and then got divorced. My ex-spouse, who is 5 years older than me, made substantially more than I did. I am aware that I could take 50% of my benefit and 50% of their benefit and total them for my benefit. What happens if I retire at 62 and start collecting $1165/mo, while she decides to wait until she is 70 years old? Does the benefit I would get for her earnings be set at her level when she was 62, or would her 50% benefit contribution be set when she is at 70 years old? How does the age at which each person starts collecting benefits affect the 50% portion?

June 19th, 2023

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