Question: When I applied and started receiving Social Security, I wasn't sure if I got and received the right answer. I was married for more than 10 years and never remarried. My ex-husband receives the highest amount since he made a wonderful income. I worked but never made anywhere near the same amount. I applied at 62½, thinking I would get one-half. Instead, I got mine and only a tiny amount of his. How do I know if they made a mistake? I am now 67.

Answer: When you're eligible for both your own Social Security and an ex-spouse payment, the total payment is the higher of the two, with your own paid first, says Andy Landis, author of Social Security: The Inside Story.

Both benefits would be reduced because they started before your full retirement age, or FRA.

Read, from the Social Security Administration's Benefit Planner: If You Are Divorced.

And here's information on SSA's full retirement age.

"Your payment sounds correct, but you can ask for an explanation by calling (800) SSA-1213. You can wait on hold (with a magazine or other diversion), or just leave a message for a callback," says Landis.

Question: When I applied and started receiving Social Security, I wasn't sure if I got and received the right answer. I was married for more than 10 years and never remarried. My ex-husband receives the highest amount since he made a wonderful income. I worked but never made anywhere near the same amount. I applied at 62½, thinking I would get one-half. Instead, I got mine and only a tiny amount of his. How do I know if they made a mistake? I am now 67.

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