Social Security Questions? Ask a Social Security Expert
Hi from just answer. I'm PDtax. Thanks for asking for me.
Sorry, answered from my phone. Back at office now, and can respond.
There is a problem with your strategy, and that is that you plan to claim benefits early. The claim date before full retirement (FRA) will be applied now to a benefit on your work record, AND at FRA when you want to claim a divorced spouse benefit.
SSA will pay you a benefit based on your work record first, regardless of when you claim. If a divorced spouse's benefit is larger, you will get an increase to that amount.
The best advice i can give is to visit an SSA office so they can tell you exactly what your benefit will be on your record, and as a divorced spouse. You can then make an informed decision.
Thanks for asking for me. If this answers your questions, positive feedback rating my assistance will be appreciated. The rating closes out your question and credit me with assisting. I'm PDtax.