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Source document· July 18, 2026

Woman, 63, Divorcing After 35 Years Of Marriage — Walking Away With $700,000 In Retirement Accounts And No Idea Where To Start

View original at finance.yahoo.com

Woman, 63, Divorcing After 35 Years Of Marriage — Walking Away With $700,000 In Retirement Accounts And No Idea Where To Start Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below…

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After a marriage lasting at least ten years, the Social Security Administration allows a divorced spouse to potentially claim benefits based on an ex-spouse's earnings record, if that amount is higher than her own, without affecting the ex-spouse's benefit at all.
60% confidence
The $700,000 is a solid foundation for retirement at 63, but only if it gets restructured for someone who is now single, rather than left in the allocation her husband originally set up.
60% confidence
Splitting a retirement account via a QDRO moves the money into her name but does not automatically restructure it around her individual retirement timeline, risk tolerance, or Social Security strategy.
60% confidence