If we were to get a divorce, can I start collecting now on my spouse's Social Security and/or Pension?
Yes you can.
If you are divorced, but your marriage lasted 10 years or longer, you
can receive benefits on your ex-spouse's record (even if they have
- You are unmarried;
- You are age 62 or older;
- Your ex-spouse is entitled to Social Security retirement or disability benefits and
- The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse's
If we divide the 401K evenly, can I start withdrawing from my half with no penalty?
Since you are over the age of 59.5, you can withdraw from your 401k without penalty.