Can I draw SSDI and my ex-husband's Social Security retirement benefits simultaneously?

Yes, you can potentially receive both - this is called \

Thank you for explaining this! I am currently unmarried and don't have any young children in my care. So if I understand correctly, I won't lose my SSDI payment, but might get a bit extra if his benefit amount is higher? Do I need to apply for this specifically or will SSA automatically check this for me when he files?

my sister tried this and it was a NIGHTMARE!!!! she got her SSDI and ex husband benefits for 3 months then SSA sent letter saying she wasnt eligible and wanted $4300 back!!!!! took 8 months to sort out and she had to get congressman involved

Oh no, that sounds awful! Did she eventually get to keep both benefits? I'm worried now that I could end up in the same situation.

The previous response is mostly accurate, but let me clarify a couple points. When you receive divorced spouse's benefits while on SSDI, you won't get TWO separate full payments. Instead, you'll receive your SSDI amount plus a supplement that brings the total up to the higher amount (if your ex's benefit would give you more).Also important: Your ex doesn't need to be actually collecting his benefits for you to claim divorced spouse benefits, he just needs to be ELIGIBLE. And he doesn't even need to know you're applying - SSA doesn't notify him.You DO need to apply specifically for the divorced spouse benefit. SSA doesn't automatically check this for you. I'd recommend calling and making an appointment specifically for this purpose.

Thanks for this additional information! I'll definitely need to apply then. I've been trying to call for 3 days but can't get through to anyone. The estimated wait time is always 2+ hours and then I usually get disconnected. Is there a better way to reach them?

You might want to try Claimyr to get through to SSA faster. I was in a similar situation trying to straighten out my benefits after my divorce and kept getting disconnected. I used their service at claimyr.com and they got me through to a rep in about 20 minutes instead of waiting for hours. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Once I finally got through to someone, they scheduled an appointment for me to discuss my divorced spouse benefits. Much easier than trying to explain everything over the phone.

Thank you for the recommendation! I'll check this out. At this point I'm willing to try anything to avoid spending my whole day on hold just to get disconnected.

just want to add you should gather your marriage certificate and divorce decree before applying SS always asks for those even tho they shouldn't need them for som reason good luck

This is excellent advice. I'd also recommend bringing your most recent SSDI award letter if you have it, proof of your ex's SSN (tax returns from when you filed together can work), and photo ID. Having all documents ready can prevent delays in processing your application.

I went through this exact thing last year and there's a really important detail no one mentioned yet - the timing! If your ex is filing at his FRA, and you want divorced spouse benefits, it matters whether you're at your FRA too.If you're under your full retirement age, they'll reduce your divorced spouse benefits. I'm 60 and they reduced mine by like 30% because I'm not at my FRA (which is 67 for me).Also took FOREVER to process - almost 5 months before I saw a penny of the additional amount.

That's a really good point I hadn't considered. I'm 58 now, so definitely not at FRA. Do you know if the reduction would apply even though I'm on SSDI rather than regular retirement? And wow - 5 months is a long wait!

Good question about SSDI and the reduction. If you're receiving SSDI, the early filing reduction doesn't apply to the divorced spouse benefits in the same way. Since you're already considered

I don't understand why everyone is making this so complicated!!! SS is SS - if you qualify for disability you get disability, if you qualify for your ex's you get that. My brother gets both his and his ex-wife's with no problem, they just deposit both checks. He gets like $4,000 a month total.

I'm afraid that's not accurate. Your brother is likely either: 1) receiving his own retirement plus a survivor benefit if his ex-wife passed away, or 2) receiving his own benefit plus a divorced spouse supplement, but not two separate full checks. The maximum total would be the higher of the two benefit amounts, not the sum of both. This is a common misconception, but Social Security doesn't pay double full benefits in these situations.

Thank you everyone for all this helpful information! I've gathered my marriage certificate and divorce decree, and I'm going to try using that Claimyr service to reach someone at SSA tomorrow. I'll make sure to specifically ask about how my SSDI impacts the divorced spouse benefits and whether there would be any reduction since I'm not at FRA yet. I'll update once I know more about how much additional benefit I might receive.

good luck!!!! bring a NOTEPAD and write down everything they tell you and get the reps NAME!!!!! trust me on this one

Please do update us! I'm curious how much additional benefit you might get. I ended up with about $340 extra per month which has been really helpful with inflation being so high lately.