Social Security & Divorce: Can I claim Social Security based on an ex-spouse?
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- Опубликовано: 12 сен 2023
- Can I get my ex-spouse's Social Security?
How much will I get?
How long do I have to be married?
What if I remarry?
Will my ex-spouse know I am claiming against them?
What if my ex-spouse is dead?
In this show we answer all the questions you may have about claiming Social Security based on an ex-spouse.
For more on this an other podcasts:
Social Security Maximization:
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Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
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Great Info!! Thanks.
If you been with somebody over 50 years common law and they change the rules in 1987 can you get spousal benefits
It depends on the state laws where you live or where your common law marriage began.
10:00 I'm confused, just turned 62, my x is 55....can i claim on their social security? been married 10+ years, never remarried...
or do i have to wait until they reach 62 ( and i am 69) before i can claim on my x's ss?
For spousal benefits, your ex must be eligible to claim their own benefits. For survivor benefits, your age matters, not your ex.
I just turned 62, I was married to my first husband 23 yrs , I remarried , but no longer married to 2 husband, he was disabled from the time he was 17yrs old . Can I draw off of 1 st husband?
Yes, depending on the first husband's age (62+).
Getting a reduction of SS for claiming it @ age 62, is unfair to those who have always worked, all their life, when a spouse “who did not work”, can receive SS benefits that they did not earn! Some of us had to take SS at 62, even while working (and in fact), worked well past full retirement age and paid in to Social Security all those years, as well! It’s grossly unfair to someone who worked and struggled “ financially, “alone”, all their life to earn those 40 credits or more, whenever (there are people getting benefits at the expense of (others who “worked” for more than they are able to receive)! If you have to take SS at 62, but go on working well past retirement age, You should not be penalized for taking SS early! And…how is it they can allow the influx of illegals and take care of them if the System is going broke? SS is not supposed to be a handout to everyone! Those who have earned it have certain criteria they must meet, so how is it those who never worked, can receive more than many who have worked steady for 45-50 years?
Hi, I was married for 34 years and divorced, he remarried and he is 66 years old and receives SS . I just remarried after 60 and want to collect SS. We are both remarried, am I able to receive part of his SS. Claiming SS AT 62?
No. If you wanted to claim SS at age 62, you would first begin by claiming your own. Then you could potentially get an increase based on your current spouse's record. You can not get benefits based on a living ex-spouse if you are currently married. If your ex-spouse dies, that's a different scenario.
Can I collect on my Social Security until my ex spouse retires. And other words can I transfer from one to another?
No, if you want spousal benefits, you would fundamentally be collecting your own benefit first and getting an increase if the spousal benefit is high enough. It's not a switch, but an addition. You can switch from your own benefit to a Survivor's benefit if your ex-spouse passes away.
I read that if my benefit is more then half my X benefit that i wouldnt qualify. Did I read thatcorrectly? Thank you!
Spousal benefits are maxed at 50%. You only get an increase if your own is lower than that limit.
@@Dolphinfinancialgroupfl So if mine is 1300 at full retirement age and his is 2100 I wouldn't get an increase? We were married 40 years. I am a divorced spouse not sure if that matters.
You can confirm with SSA. It seems unlikely. You would look to get a Survivor Benefit if your ex-spouse dies.
@@Dolphinfinancialgroupfl ok thanks for all the help
I am 62 and retiring. I was married for 27 years. We divorced. While I was married, I stayed at home raising children for several years. My ex-husband is 64 and considering retiring as he has health issues. His S.S will be significantly larger than mine. Are you saying that I can draw from my S.S and also collect a bit from his at the same time? The step up? He is not at FRA yet. I am not remarried nor do I plan on ever remarrying again. If I do the step up am I allowed to collect survivor benefits if he should pass? Please advise… this is so confusing.
If you decide to collect SS benefits, you'd be filing for your own, based on your record. SSA would then look to calculate if there is a spousal benefit (if you provide them with details of your ex-spouse). SSA would determine if you get an increase in your benefits based on your ex-spouse. If your ex-spouse dies before you, you would then be able to switch to Survivor Benefits.
Thank you:)
Thank you for sharing all your knowledge 🙏 you are very informative. I loved this subject because I am a widow was married for 31 years I'm still working. What I want to know is, "Can I collect my husband's survival benefits at age 60 and I keep working until I'm 67 then which over to my social security benefits when I finally retire? No I have not re-married nor will re-marry.
Thank you for sharing all your knowledge very informative. I have a question? I was married 31 years my husband passed away 1-3-2022 can i collect survival benefits from my husband's social security benefits at age 60 and still work until i turn 67 years of age then which over to only my social security benefits at age 67? I just want to know can i collect his benefits and still work with no penalties?
You can claim Survivor and then switch to your own later. However, claiming before your full retirement age and continuing to work will subject you to the Earnings Limit: ruclips.net/video/S1rwtuFw2xo/видео.html
Thank you so much for this video! I have some questions about benefits when the ex-spouse is younger.
My ex-husband (17-year marriage, still living) is 2 years younger than I am, and has considerably higher lifetime earnings than I do (as I worked only part-time while raising kids).
1.) I understand that I can't claim against his SS until HE is at least 62 (making me 64), but would I have to wait until HE'S reached his full retirement age of 67 (when I'm 69) to get the ex-spousal benefit for his work record, or could I get that same benefit of his upon reaching MY full retirement age at 67 (when HE is 65)?
2.) Also, following from that first question, since I'd have to wait on his benefits, could I start claiming my OWN benefits (at the lower rate) sometime after reaching age 62 (before full retirement age) and then later SWITCH to receiving a higher benefit based on HIS work record, when that full retirement age is reached?
As a single divorcee, I am just hoping to increase benefits down the road, while still receiving something as early as possible. Thanks so much!
Sorry, it doesn't work the way you describe. You would be claiming your own benefits early and getting a spousal increase (if applicable). These are not something you can switch between. You could only switch later to a Survivor Benefit if your ex died. Your spousal benefit would be based on YOUR age and the PIA of your ex.
@@Dolphinfinancialgroupfl Thank you