Can I upload certified divorce papers online for ex-spouse Social Security benefits or must visit SSA office?
I'm planning to file for my Social Security retirement next month (turning 67) and I've been told I might get higher benefits based on my ex-husband's record since he earned a lot more than me during our 18-year marriage. I have certified copies of our marriage certificate and divorce decree, but I'm dreading having to go in person to an SSA office (the closest one is 45 miles away and always packed). Can I upload these documents somewhere on the MySocialSecurity site when I apply online? Or mail copies instead? Has anyone done this recently? I really want to avoid taking a day off work just to sit in the SSA office if there's an alternative.
17 comments
Andre Moreau
unfortunately no u can't upload them online. i went thru this last yr and had to take the original documents to the SS office. they won't accept photocopies even if notarized, has to be originals or certified copies from the court. its annoying but they're strict about it.
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QuantumQuester
•Ugh, that's what I was afraid of. Did you have to wait long at the office? Could I mail certified copies instead?
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Zoe Stavros
You actually have multiple options. While you can't upload documents during the online application, you can either: 1. Mail certified copies (not photocopies) to your local SSA office with your name and SSN clearly noted 2. Bring them to an in-person appointment 3. If you're only filing for divorced spouse benefits, you don't necessarily need to provide these documents upfront - SSA can often verify your marriage/divorce through their records If you do need to submit them, make sure your divorce has been final for at least 2 years, your marriage lasted at least 10 years, and you're currently unmarried to qualify for ex-spouse benefits. I recommend calling SSA first to confirm which option is best for your specific situation.
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QuantumQuester
•Thank you! That's really helpful. So they might already have my marriage/divorce info in their system? I've been divorced for 12 years now, and yes, we were married 18 years, and I haven't remarried. I'll try calling first to confirm what I need to do.
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Jamal Harris
I had to do this last year and ended up mailing my certified copies. It worked fine BUT it took forever - like 3 weeks before I got my documents back. If you go this route make sure you send them with tracking! Also include a cover letter with your name, SSN, and a phone number where they can reach you.
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QuantumQuester
•Good advice about the tracking and cover letter! Did you just mail them to your local office? Was there any delay in processing your benefits because you mailed instead of going in person?
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Mei Chen
SSA is the worst with this stuff!!! I tried calling them 14 TIMES about my ex-spouse benefits and NEVER got through. Kept getting disconnected or on hold for hours!!! Then I took a day off work and waited 3.5 HOURS at the office just to be told I was missing one document and had to come back AGAIN!!! The whole system is designed to make us give up I swear.
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Liam Sullivan
•I had similar issues getting through to SSA on the phone. I finally used a service called Claimyr that got me connected to an agent in about 20 minutes instead of waiting for hours. You can see how it works at https://youtu.be/Z-BRbJw3puU - it was worth it to avoid taking a day off work just to ask questions. They connected me straight to an agent who confirmed I could mail my marriage certificate and divorce decree to my local office with a cover letter.
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Amara Okafor
my sister just went thru this whole mess. depends on yr situation. if ur ex is already collecting SS then its easier. they made her bring docs in person but she said some ppl can mail them. make sure u bring ur birth certificate too they might ask for it
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CosmicCommander
You mentioned you'll be turning 67 - that's your Full Retirement Age (FRA), so good timing! For ex-spouse benefits, here's what happens procedurally: 1. When you apply online, you'll indicate you're also applying based on an ex-spouse's record 2. The system will prompt you to provide documents, but won't let you upload them 3. SSA will actually first try to verify your marriage/divorce electronically through their systems 4. Only if they can't verify will they request documents I've helped several clients with this. About 60% never had to submit documents because SSA could verify electronically. The other 40% either mailed certified copies (takes 2-3 weeks) or scheduled an appointment (faster processing but more hassle). Also important - you'll get whichever is higher: your own benefit or 50% of your ex's FRA benefit. They don't combine them.
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QuantumQuester
•Thank you for the detailed explanation! That makes me feel better knowing they might be able to verify electronically. I wasn't sure if I'd get 50% of his or just the difference if his is higher. So if my benefit is $1,800 and his would give me $2,200, I'd get the $2,200 instead of $1,800 + some extra, correct?
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CosmicCommander
•Exactly right! If your own retirement benefit is $1,800 and your divorced spouse benefit would be $2,200, you'd receive $2,200 total (not $4,000). SSA always pays your own benefit first, then tops it up to the higher amount if the divorced spouse benefit is greater. One more tip: if your ex hasn't filed for his benefits yet but is eligible (62+), you can still get divorced spouse benefits as long as you've been divorced for at least 2 years. If he has filed, you can apply regardless of how long you've been divorced.
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Andre Moreau
also dont 4get they might want proof of any name changes between the marriage and now if u changed back to maiden name or remarried. bring ID that matches whatever name ur using now on the application
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Jamal Harris
Oh I just thought of something else! When I called the SS office to ask about mailing vs bringing documents, they told me I could schedule an appointment instead of just walking in. WAY better than sitting there all day. You have to call early in the morning to get an appointment slot though.
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Amara Okafor
•good luck with that!! been trying to get an appointment for 3 weeks!! they never answer!!!
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Zoe Stavros
One important clarification about ex-spouse benefits that sometimes confuses people: applying for benefits on your ex's record does NOT reduce their benefits or notify them that you've applied. This is a common concern, but your application is completely confidential. Your ex won't know you've applied or be affected financially.
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QuantumQuester
•Oh thank goodness! I was actually worried about that but didn't want to ask. Our divorce wasn't exactly friendly and I really don't want him to know anything about my finances or retirement plans.
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