Can an ex spouse claim social security benefits of ex spouse (married 10+) at age 62 then switch to own at 70?

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No. Could only do that if the ex spouse is deceased. Not to mention that you do not have the ability to choose what benefit you want if both people are alive if applying before your FRA.

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Have to have been married for 10+ years (with ex-spouse who they are claiming SS benefits from) and he/she cannot be remarried. Correct on Lincoln. Recommend they chat with SSA rep - no matter the knowledge we arm the client with when walking through the door, SSA 'pushes the button' to start the benefit.

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Correct EJ1, I thought you were saying they had to be deceased period.

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In order to claim the full benefit of the ex spouse, they would have to be deceased. If not deceased, they would only be eligible for a spousal benefit equal to half of the ex spouses (potentially lower if claiming before FRA)

Thanks for the refresher

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