Medicare & Social Security Benefits
Why Medicare & Social Security Matters in Divorce After 50
Medicare & Social Security
As you transition through divorce, it’s important to see the full picture of your financial future — and that includes understanding how Medicare and Social Security fit in. These programs are more than just benefits; they’re key pieces of your long-term financial stability. At Piedmont Divorce Planning, we help you make informed choices about when to claim Social Security and how to approach Medicare coverage so that both align with your overall retirement goals. Our focus is on helping you protect your income, minimize taxes, and feel secure knowing your plan supports you in the next chapter of life and gives you peace of mind for the years ahead.
Medicare Planning
Understanding Medicare can feel overwhelming — especially when you’re also navigating a major life change like divorce. At Piedmont Divorce Planning, we help you make sense of your options so you can choose the coverage that best fits your health needs and budget. We look at how your marital status, income, and timing of enrollment may affect your premiums and potential penalties, and how Medicare decisions can work hand in hand with your overall retirement plan. Eligibility rules, timing, and benefit choices may differ once marital status changes — especially for those approaching age 62 or older.
Whether you’re approaching age 65 or already enrolled, our goal is to help you avoid costly surprises
Social Security Guidance
We also clarify how Social Security Spousal Benefits work — including whether you may be eligible for spousal or survivor benefits based on your current or former marriage. Deciding when to claim Social Security is one of the most important retirement choices you’ll make — and divorce can make it even more complex. We take a close look at your personal situation to help you maximize your benefits and understand the long-term impact of claiming early versus waiting.
Claiming too soon can permanently reduce your monthly income, while delaying may significantly increase it. We also consider how your Social Security income may affect your taxes, especially when combined with earned income, other retirement income or investment withdrawals.
(For educational purposes only. Personalized guidance is provided through a confidential planning engagement.)