More women make up the workforce than ever before, but generally speaking, women still earn less than men. While there are exceptions, this maintains the traditional role of the husband as the breadwinner of the family. As a result, when couples divorce in Florida, women are often worried about their financial stability and how they will save for retirement.

According to CNBC, if you are still unmarried or have again divorced by 62 or older, then you can collect Social Security payments on your spouse’s work records. In fact, this is as true for men as it is for women. Regardless of gender, you must meet the following requirements:

  • Be 62 years or older
  • Be currently unmarried
  • Been married to the spouse for 10 years or more
  • Be entitled to less Social Security benefits from your own work record than from your spouse’s

If you meet all of these requirements, you may receive anywhere from one-half to the full retirement benefit of your spouse. The best part is that you do not need to involve them in the process. As long as you have your marriage certificate and divorce decree, you may visit either the Social Security website or drop by your local office.

Note also that it is best to wait until full retirement age to claim the benefit whenever possible. Otherwise, the government may penalize you for early withdrawal. There is, however, no reward for waiting beyond the full retirement age.

So, if you are on the verge of finalizing your divorce and you are nine years and some months in, this may just be a good reason to delay the process just a little more. That extra money might come in handy after retirement.