7. If you did stick it out for 10 or more years and finally divorced the hate-of-your life and then meet the true love of your life and marry that person, you will lose your spousal benefits from spouse 1 and your survivor benefits from spouse 1 if you remarry before age 60. Here, again, we have Social Security getting into our love lives. You meet Ms. Perfect, you are at the jewelry store picking out the ring or about to put it on your finger and say, “Stop, I can’t do this. This will cost me divorcee benefits.” Or if Mr. Perfect is about to put the ring on your finger, you say, “Stop, we need to wait five years until I’m 60 so at least I don’t lose my divorcee survivor benefits from my ex who will surely die from grief the minute I remarry.” For divorcees who remarry just short of age 60, losing their divorcee survivor benefits is a gotcha.
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