The letter from a 50-year-old, newly divorced reader was brief, but full of pain, errors and red flags.
"I was married to my ex-husband for 23 years," it began. "My attorney said I will receive half of his Social benefits because I was the first wife and married to him for over 10 years. I will not remarry, EVER, so I know that rule will never affect me. My question is: Do I need to apply for his benefits when I reach a certain age? I am 50 years old and want to have all my ducks in a row when I retire at age 62."