Janney Montgomery Scott LLC

Michelle L. Keates, AWMA®, CRPC®, RIS
First Vice President / Wealth Management
401 New Road, Suite 200
Linwood, NJ 08221
609-601-2508
800-346-1446 x 2508
800-346-1446 x 2508
mkeates@janney.com
www.janney.com

Will I continue to receive Social Security based on my spouse's record after we divorce?

Yes. If you already receive Social Security based on your spouse's earnings record, you'll continue to receive it as long as you live (or in some cases, until you remarry). If you don't receive Social Security yet, you can apply for a reduced benefit when you turn 62 or wait until your full retirement age if you want to receive an unreduced spousal retirement benefit. If you've been divorced for more than two years, you can apply as soon as your former spouse becomes eligible for benefits, even he or she hasn't started receiving them (assuming you're at least 62). However, if you've been divorced for less than two years, you must wait to apply for benefits based on your former spouse's earnings record until he or she starts receiving benefits.

You don't have to worry about losing your benefit even if your former spouse remarries. Benefits for a divorced spouse are calculated separately from those of a current spouse.

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Janney Montgomery Scott LLC Financial Advisors are available to discuss all considerations and risks involved with various products and strategies presented. We will be happy to provide a prospectus, when available, and other information upon request. Janney Montgomery Scott LLC, its affiliates, and its employees are not in the business of providing tax, regulatory, accounting, or legal advice. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any taxpayer for the purpose of avoiding tax penalties. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.

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For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

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