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Divorce Tips for Sonoma County Boomer Women

o-BABY-BOOMER-DIVORCE-facebook-thumb-275x183-87797.jpgIf you're reading this blog, you're probably a Boomer. A study released in February found that Americans who are over 50 years of age are twice as likely to divorce as people who were that age 20 years ago.

No one wants to have a midlife divorce, but it happens.

Women tend to file for divorce more often than men. Their reasons range from a renewed focus on their careers to a sense of empowerment. Interestingly, men are more reluctant to leave a marriage while children are still living at home. And according to the U.S. Census Bureau, more working women than men have college degrees.

Of course, there are always exceptions to the rule. There are cases in which a woman is more reluctant to leave the marriage. She may want to keep the family together to raise the children, or she might have taken a break from work to become a stay-at-home mom and is nervous about re-entering the workplace.

Social Security Tips for Divorced Women

Then there are women in their sixties or seventies who worry about Social Security. I have some good news that could lessen your worries in this regard. Women can receive Social Security survivor benefits based on the ex-husband's earnings provided you aren't remarried when you seek to collect them. In addition, he either has to be collecting his retirement benefits or you have to have been divorced for at least two years, and you must be at least age 62.

Here are some additional tips:

  1. If you started collecting Social Security benefits at age 62 and at age 64 you wished you'd waited longer to collect them, you have the right to suspend your benefits to a later date.
  2. If you delay collecting your Social Security benefits until you are 70, your benefits will be 76 percent higher.
  3. If your budget is tight and you're divorced, you may want to start collecting your benefits at age 62 and apply for your deceased ex-spouse's benefits at the same time

More Women Enter the Workforce

Women are more prepared now than ever to sustain themselves and their children following a divorce. According to the U.S. Department of Labor, of the 123 million women age 16 and above, 72 million (58.6 percent) are either looking for work or employed. In addition, women are projected to account for 51 percent of the increase in total labor force growth between 2008 and 2018.

7 Tips on How to Prepare for Your Divorce

Divorce isn't easy for anyone, and if you see it coming it's best to prepare yourself by following these tips:

  1. Start to save money for your divorce.
  2. Create a divorce calendar that includes scheduled meetings, hearings, and other events, such as the number of times your ex-husband forgot to pick up the children for a weekend visit.
  3. Organize your paperwork in a designated divorce notebook.
  4. Watch your expenses. Divorces can be expensive, and you'll want to cut out unnecessary costs so you can pay off your college loan and credit card debt.
  5. Gather all of your financial information including bank and investment account numbers.
  6. Keep to a normal routine for your children.
  7. Learn as much as you can about the divorce process and your options

California's child custody laws are constantly shifting to accommodate the needs of families. It is vital to retain the support and counsel of a knowledgeable child custody lawyer that will review your options and help you determine the best course of action to protect your rights and the best interests of your children. Attorney James Sansone will take the time to understand your needs and the potential challenges that may lead to dispute, presenting your options and helping to determine the best approach to ensure a favorable outcome.

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