Divorce can change financial stability; 'Yet being informed about your entitlement to Social Security benefits as the former spouse of a Aflac employee may provide some comfort and security. As you wade through these maze of rules, review your options carefully to ensure a comfortable retirement,' says Brent Wolf of The Retirement Group.

Understanding how Social Security benefits work post-divorce is critical - especially for those previously married to Aflac employees. Seek out financial advisors to explain these options and optimize your Retirement benefits, says Kevin Landis of The Retirement Group.

In this article we will discuss:

1. Eligibility Criteria: Knowing the requirements for claiming Social Security benefits through your ex-spouse - including age and marital status - is important.

2. Benefit Calculation: How much Social Security benefits you get depends on how much your ex-spouse earned over 35 years.

3. Strategic Claiming: Post-divorce timing of Social Security benefits to maximize Retirement income based on research by the Center for Retirement Research at Boston College.

Divorce can create special financial challenges. If you were married to a Aflac employee for 10 years or longer, you can still get benefits through your ex-spouse if they remarried.

Social Security Administration lets you keep the benefits based on your ex's income if you remarry after age 60, 'she said.'

It has a few basic requirements. 62 or older. If you qualify, you need an ex-spouse who gets Social Security benefits. You must be eligible for less through your former spouse than on your own.

If you're under 60 and a Aflac customer, you must be single to qualify for an ex-spouse's benefits. Our Aflac clients over 60 who wish to remarry are welcome to do so. If you remarry after age 60, Social Security Administration lets you keep receiving benefits based on your former spouse's earnings.

Now consider quantity. How much money you get depends on how much your ex-spouse earned in average over 35 years. You receive fifty percent of the full retirement benefit of your ex-spouse. Be fearless if your ex-spouse is eligible for benefits but hasn't claimed them yet. You can still receive some spousal benefits if you are divorced for at least two years and your ex-spouse has not started Social Security yet.

These aren't the only important aspects of Social Security for divorcees - the interaction of the various Social Security rules is often confusing. Our Aflac customers experiencing this need to weigh their options.

Read our e-book here for more:  https://retirekit.theretirementgroup.com/cultivating-social-security-benefits-ebook-offer

Added Fact:

A Report by Boston College Center for Retirement Research in 2026 said that claiming Social Security benefits could raise Retirement income for divorcees dramatically. The report says delaying the claim until full retirement age or beyond may mean higher benefits for divorcees, helping them maximize their monthly income in retirement. It points out that timing Social Security claims for divorcees is important to optimize retirement income.

Added Analogy:

As a divorce could divide up couple's assets, Social Security benefits could be split as well. Social Security for divorcees is like a joint bank account. You could have some of their benefits if you were married to a Aflac employee for at least 10 years - even if they remarried. It's like getting the interest on that shared account. Your share depends on what your ex-spouse makes - just like the interest on the account. And if your former spouse hasn't cashed in on the account yet, you still could get your share even if they haven't withdrawn any money. But the rules are complicated, so you might want to work with a professional to maximize your shared Social Security 'account' after a divorce.

Before finalizing any estate plan, it is worth examining how Aflac's employer-sponsored benefits fit into the broader picture. It is important to note that Aflac maintains a defined benefit pension plan that has been frozen to new benefit accruals -- meaning the plan no longer accumulates future benefits for most employees, but those who were already vested may still be entitled to receive the pension benefit they accrued prior to the freeze, subject to the vesting requirements described in their plan documents - this means the plan no longer accumulates future benefits for most employees, but those who were already vested may still be entitled to receive the pension benefit they accrued prior to the freeze, subject to the vesting requirements described in their plan documents. Aflac also offers retiree healthcare benefits to eligible employees, which can provide meaningful coverage for those who retire before reaching Medicare eligibility at age 65. Because the specifics of your pension benefit, retiree healthcare eligibility, and any matching contributions depend on your individual employment history and plan documents, We encourage you to review your Summary Plan Description (SPD) or speak with Aflac's HR or benefits team for the most current details.

Sources:

1. Social Security Administration.  'Ex-Spouse Benefits And How They Affect You.'  SSA , 8 Mar. 2026,  www.ssa.gov/benefits/retirement/learn.html .

2. Social Security Administration.  'More Info: If You Had A Prior Marriage.'  SSA , last modified 29 July 2026,  www.ssa.gov/help/iClaim_marriagePrior.html .

3. Social Security Administration.  'Family Benefits.'  SSA ,  www.ssa.gov/benefits/family/ .

4. Social Security Administration.  'POMS: RS 00202.005 - Divorced Spouse.'  SSA , 23 Aug. 2026, policy.ssa.gov/poms.nsf/lnx/0300202005.

5. Social Security Administration.  'Will Remarrying Affect My Social Security Benefits?'  SSA Blog , 17 Feb. 2026,  www.ssa.gov/blog/2026/02/remarrying-affect-benefits.html .