Your claiming question, answered with arithmetic
The free estimator tells you what you could get at 62, 67, and 70. The next question decides real money: when should the claim actually start? For the sample woman below, the gap between her best and worst claiming age is $55,944 by age 85. The Claiming Plan lays out that arithmetic on your numbers, in a PDF you keep and bring to anyone who advises you. Get the plan ↓
What your plan contains
- Your monthly benefit at every claiming age, 62 through 70, split into your own portion and the ex-spouse portion, because the two follow different rules.
- Lifetime totals to ages 80, 85, 90, and 95, and which claiming age wins each horizon.
- The break-even ages: when waiting starts to beat claiming early, on your numbers rather than a magazine example (shown as an honest range when your exact dates leave a window).
- A "when it can start" check: the final-divorce, two-year, and his-age rules applied to your answers, so the plan never credits money before it can legally begin.
- If you are still working: the earnings-test math, what gets withheld before 67 and how it comes back.
- A sturdiness check: your results recomputed with his income 20% lower and 20% higher, so a rough guess doesn't shake the answer.
- The filing checklist, straight from SSA's own process: when you can apply, what to have ready, and the do-not-mail-documents rule.
- A "for your adviser" page: inputs, method, and sources, so any professional can verify the plan in minutes.
- Every assumption stated, every rule sourced to SSA, in plain language.
And it stays useful: free re-issues for 12 months if your numbers change, and your $39 counts toward the full Divorce Money Snapshot when it launches.
Judge it before you pay: download a complete sample plan (PDF). It is built for a fictional example (part-time $25,000, ex about $110,000, married 18 years) by the same engine that builds every purchased plan, with every assumption and limitation on the page.
A sample of the arithmetic
For a woman who worked part-time at about $25,000 while her ex earned about $110,000, married 18 years: $1,188 a month claiming at 62, $1,719 at 67, $1,752 at 70. Claiming at 67 instead of 62 pulls ahead in total dollars around age 79. Her plan shows all nine ages and all four horizons; yours shows yours.
What an hour of this costs anywhere else
| Where women get this math | What it costs | Divorced-spouse aware? |
|---|---|---|
| Divorce financial analyst (CDFA), one hour | $250 to $450 | Yes, with the meter running |
| Claiming-strategy software | $49 to $250 per year | Partially; built for couples |
| Guessing, or claiming at 62 by default | Often the costliest option | No |
| The Claiming Plan | $39, once | Built for exactly this |
Ex-Spouse Social Security Claiming Plan
$39, delivered as a PDF within a few hours.
Every plan is generated from the same engine as our free calculators, with every rule verified against SSA's own pages and every assumption stated inside the plan. If it is not useful to you, reply to the delivery email and we refund you in full. No questions, no forms.
Checkout did not open. Please try again in a moment.
✓ PDF by email within a few hours · ✓ Checked against SSA's published rules · ✓ Full refund if it is not useful
Questions women ask before buying
Is this financial advice?
No. It is your own Social Security arithmetic, organized: what each claiming age pays monthly, what each accumulates to over a lifetime, and where the break-even ages fall. Which age you choose stays your decision.
What if I do not know his exact numbers?
His typical yearly income during the marriage is enough. The plan states every assumption it uses, and your own ssa.gov statement can replace our estimate of your side any time.
How is this different from the free calculator?
The free calculator shows three ages. The plan covers all nine claiming ages, adds lifetime totals to ages 80, 85, 90 and 95, the break-even ages between choices, and the working-before-67 withholding math, in a PDF you can keep, print, and bring to any adviser.
What happens to my information?
Your numbers are used to prepare your plan and then deleted. They are never stored on servers, never shared, never sold.
What if it is not useful to me?
Reply to the delivery email and we refund you in full. No questions, no forms.
The plan runs on the same SSA-verified formulas as our free calculators: see how we make our numbers. It is educational arithmetic, not financial, legal, or tax advice.