Social Security Divorce Benefits MADE EASY
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- Опубликовано: 30 янв 2021
- Understanding Social Security ex-spouse benefits is not the first thing that comes to mind when two people are going through a divorce. But later, after the smoke has cleared, it can be a life saver for the ex-spouse.
This video covers everything you need to know about Social Security Divorcee benefits and covers both Spousal and Survivor benefits. It also covers off the benefit if the primary filer takes Social Security benefits early, at full retirement age, or late. Finally, the video shows how the ex-spouse can file for Social Security spousal benefits even if the primary insured has not yet filed.
Important Links:
Federal Reserve Board Survey of Consumer Finances:
www.federalreserve.gov/econre...
Social Security Administration Application for Benefits
secure.ssa.gov/iClaim/rib
Current Social Security Cost of Living Adjustment
www.ssa.gov/cola/
Social Security Payment Estimator
www.ssa.gov/benefits/retireme...
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Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
I thank my sister for sending me the link to this information.
I also thank the maker of this video for providing me with the information as well.
Yay! This is just what I was looking for.
Thank you! Your explanation of complex rules is so clear and concise. It helped me tremendously!
Thank you, this video is easy to understand😊
Thank you Mr Schmidt. 17 months to go....
Great video- thank you
You are welcome
Enjoy your telling spousal benefits, I’ve been disabled since 2003 about to turn 62 this month, wondered how that could affect my benefits. I had hoped after watching your video to ask your opinion?
Are pension plans taken into account at all in the equation? Thanks for the video!
Thanks
I have called ssa many times this year and every single time I call the ssa employee gives me misinformation on ex spousal benefits! Thank you for this clarity!
I need help and im willing to pay for it. I was married 13 years, X wife divorced me, then X wife remarried for 7 years an divorced again. "Is my social security benefits safe? And what options do i have to ensure this??? Anyone who knows please help??? God bless
By the way. My X wife makes more money than me
Thank you in advance for any questions answered
I also wish to ask if there is a statute of limitations on receiving Alimony or social security?
Also i ask respectfully if I remarry. Does that help situations
Hi there, this is the most informative video I have seen. I have one question. If I retire at 62, will social security be comparing my x's full retirement benefit with my benefit at 62 to decide if I qualify for x spousal benefits?
I was married 12 years, I never remarried, my ex husband has just applied, for his social security at age 70. I am 74, and have been on social security since age 62. Question: If my EX dies, will i get my EX’s amount at age 70? Or will i only get the amount that he would
have gotten at FRA AGE?
AGE 66 amount or his current amount of age 70?
Thank you!
God Bless you Sir. Thank you for your help in making these videos. Im still not familiar with instagram. But i will happily subscribe if that helps your business
How would I find out how much I would get? I want to retire but the social security I would get based on my earnings is not enough. I was married 20 years and was a stay at home mom during that time. I am 67 and he is 73, both of us are still working but I started taking SS last year based on my earnings.
I was told I could receive my ex spouse benefit’s at 60 yrs. My my income would effect what I receive, -$2 in the difference.
Hello Sir, I have a question I have been looking for an answer.
Question is.. I am getting spousal support from my late husband and I am only 43 year old and if I reach my retirement age am I going to get my spousal support and SSS or should I choose from SSS n Spousal support?
I started drawing half of my ex-spouse's benefit when I was age 66; I filed a restricted application, allowing my own SSA benefit to grow at 8% annually. Now, in a few months, I'll apply to drop my ex-husband's half benefit in favor of my own (at age 70) which will be more, at that point. Then, when/if my ex-husband dies prior to me, I will be able to collect his full retirement benefit, according to SSA. I know they've done away with restricted applications for younger people, but so many SS recipients my age don't know anything about their eligibility for this.
That’s my plan
Every person for themselves... So tired of this bullshit where one person is taken care of forever....
Nice way to "work" the rest of us tax payers. Crooked.
@kala7908 it's not at ALL crooked! It's doing EXACTLY what social security tells you CAN do.
Social securityitself is the scam in the first place. It's not built "for" us, it works against us. I now understand why people have been complaining all these years
My step father passed leaving my mother....they were divorced....as beneficiary.......she can not get a copy of the marriage certificate...marred in Juarez Mexico in the early 70s......how can were prove the marriage?
He was military and they acknowledged her as his spouse....how can we prove this for benefits?
Is qdro needed and court orders to get survovor benefits?
Looking at getting remarried at age 62 or 63 and pleased to learn that it would have no effect on my divorced spouse ss benefits.
This is different than anything I've been told. My SIL is collecting 1/2 of my brothers SS amt plus her own. They had to have been 10 years & not be currently married to anyone else.
That would be ideal to get mine plus half of his but I'm not sure how to calculate
You cannot collect both at the same time- something must have been lost in translation...
Sorry but yes you absolutely can...@@paulcummings55
Great content, I'm assuming the decimal point is off by a digit on your chart at 66 yr of the ex spouse
Nice content. I don't know who, but someone actually needs to hear this, you've got to stop saving all your money. Venture into investing some, if you really want financial stability
Beautifully said, I tell my folks these words everyday. It's good to save money but most people don't understand the market moves and tend to be misled in facts like this and always depend on money in the bank.
I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do because i have no idea of how and where to invest in these?
Let say your ex wife is 10 years older. If your estimate for full retirement benefit keeps going up and you haven't claimed yet, what number do they use when she files and do they adjust it when you finally claim your benefit?
What is maximum $ social security / mo.?
On the last scenario, the 82.5% is based upon the FRA of the primary earner or 82.5% of the divorced spouse’s FRA benefit? I think the answer is obvious, but want to be certain. Thanks
I was told my pension which creates the Windfall Elimination Provision (WEP), prevents my ex spouses SSA benefits of a 23 yr marriage from being added to my FRA benefits. Not sure why.
Great video! Question for you, I am divorced, do I still get 100% of my Social Security benefits? My ex can get a certain percentage I know but I’m confused about if my amount will be lower if she claims to receive my benefits through Social Security.
She may qualify for spousal benefits off your # but that won’t affect your benefit at all, even if you remarried and your current spouse also qualifies for spousal benefits.
Is there any relation between divorce spousal benefit and teacher pension in the state of California ?
Since with high inflation 2023, social securities cut done divorce spousal benefits.
Are there any solutions? For people like me?
looking who willl answer my question,,,,been disablied begining of 2009,,,when I turn 65 and disablie is converted to ssi and u don't have 40 units,,,, does the marriage penatly stilll apply or there's no marriage penatly on ssi,,,,,,?????,,,
question if u remarrry after 50 and disable,,,, can u get suvior
My question is this. I meet all requirements for divorced spousal benefits. I will be taking my benefits at my FRA. If my ex dies a couple of years later , am I able to change my benefits to his which would be more than mine?
how can a person that is devoriced colect ssa ifthey signed a divorced decree that said that they can only draw on theres
and not yours but yet ssa alous them to youse your benafites to for the amount of benafits they recieve
Working on Marriage 11, she a Gold Digger!
What year of marriage is divorce most common?
While there are countless divorce studies with conflicting statistics, the data points to two periods during a marriage when divorces are most common: years 1 - 2 and years 5 - 8. Of those two high-risk periods, there are two years in particular that stand out as the most common years for divorce - years 7 and 8. Hi, I think this "10 year rule" is ridiculous, considering the statistics and that it doesn't include time of co-habitation as well. Curious, what are your thoughts?
The 10 year cut off is dramatic if you have sacrificed career and earning time. It would be good to contact your local U.S. senators and district congress representative to share your thoughts and possibly suggest some sort of proration put to law. But I believe many see the benefits as complicated already so I wish you luck.
Tis may be a whole different video, but What happens when one gets divorced after 17 years, as a Homemaker and years later the homemaker is on disability? I am collecting on my ss for my worked share through Disability. ... can one get ex's social security earlier while on permeant disability? I the used to be Homemaker am 58 and He is 68. and retired. can you help guide me if you are not sure? Thank you.
If the divorced couple has a disabled child drawing social security benefits based on the deceased spouse's social security will that affect the living, divorced spouse's social security based on the deceased? I hope that made sense.
I was marr4 4 about 9 ahd s have year
Can I collect Social Security Benefit And Canada Pension Plan (CCP)At the same time
SSA told me that because 50% of my ex’s PIA at FRA is less than my benefit at FRA, I cannot claim (ex)spousal benefit. I understood I could claim the (ex)spousal benefit now and claim mine later, letting it grow. Which is it?
That's what I don't understand we or married for 30 years we both are at the age of 64 he remarried ProForm disability but he would have to be getting 50% more than me for me to claim
Hello, I divorced after 10 years of marriage. My ex is now deceased. Can I apply for spousal benefits at 65 and still work. Lastly, I plan on retiring at 67 and applying for my ssa benefits which I believe will be higher than my ex spouse. Thank you.
I have not found any info about if you become disabled in a marriage of 20 yrs. And you are almost 60 and divorced and spouse has retired and drawing. I was a house wife . Can you draw before 62 off of spouse?
What if you don't have the ex" San can you file with the divorce paper?
There is another scenario NOBODY talks about.....what if the ex-spouse dies at 58? He was actually trying to get disability but passed before it came through. I can look up MY amount at each age but have NO WAY of finding out what his would be because we divorced in 2000.
I think you can find out if you call the Social Security offices at their 800 number. I think they would require you to send them documents like your marriage certificate and your divorce decree, and then make him do an estimate for you. I think it probably takes several months to get it though but that's just a guess
Can you explain why social security don't acknowledge homemaker as a worker? I was married 15 years before the divorce I'm 66 and he 53
Always interesting topics! Thanks
A) is the survivor benefit table mistaken, showing 9.93% at age 66?; and B) in your opinion, will SS be solvent (without unsustainable tax hikes) beyond 2030 or are we deluding ourselves?
Should the percentage at 66 have been 95.93%? It increased 4.07% each year from 62 - 65 and would be 100% at 67 if so.
Thank you so much for all of the valuable information. I was married for 10 years, divorced over 30 years ago, my spouse and I have not spoken in three decades. I have no knowledge of his current SS status i.e. did he file. what info would I need for the social security administration to show that we were married as all I have is our divorce decree and I have no knowledge of his SS number. This is a topic that has never been addressed in any of the RUclips videos that I have researched.
You will need certified copies of marriage and divorce decree. If you give SSA your ex husband's name and date of birth they can access his SS #. I started the process last month 🤞
You can contact state or county vital records where you married to get copies of marriage license. Small fee is required.
Hello. Let’s say I decide to take 1/2 of my ex-husbands benefit because I meet all qualifications. Some time passes and my ex dies. Can I switch to ex survivor benefits and now get his full amount? I can’t find any rules around switching between social security benefits. Is it allowed or am I locked in once I start receiving benefits? Thank you.
You sound like a gold digger with that question
It seems like you mispoke on one aspect- you seem to say that if the primary earner took SS AFTER his FRA, the surviving spouse (at full retirement age) only gets 100% of the Primary Earner's FRA amount. However, everywhere else I have read and heard, says that the surviving spouse gets 100% of what the Primary Earner was getting (or entitled to) at the time of his/her death, which includes any Delayed Credits being added to his/her FRA amount, which is unlike the Spousal Benefit, which is capped by the FRA amount regardless if the Primary Earner claimed SS after his FRA.
What if the ex spouse was 65 and died but was still working had not filed for SS. And I am disabled and already drawing SS disability at age 58.
If the primary earner was married twice and the duration of each marriage was at least 10 years, it sounds like both divorced partners would be eligible to receive SS based on the primary earner. And if the primary earner was considering retiring before FRA, it would be beneficial to these two divorced partners if the primary earner waited until FRA to begin collecting SS. Are both these statements true?
The first is true. re. the second the divorced spouse’s payment is based on their age when filing. The longer they wait the higher their payment - up until THEIR full retirement age (circa age 67). They receive no benefit waiting past their age 67. The primary filer must have filed to unlock the benefit but he/she doesn’t need to be FRA to max out the ex’s spousal benefit- just the ex spouse.
@@HolySchmidt Thanks for clarifying that.
@@HolySchmidt I am 60 years old and my wife is 45 years old. I would think it would be the best interest for me to wait to 70 years old so she could receive maximum benefit? If let’s say I die at 71 which you have to wait till minimum 60 years old to receive partial benefit? Or which she wait if she is in the position to do so to 67 to receive my full benefit that I was making it 70? It’s very confusing I was told that if my wife waits to 67 and I had waited to 70. She would get partial of my benefit not the full amountIs that correct?
My x and I owned a house at 04 married 05 May divorced in 13 could I get benefits
Love your vids! Do I understand correctly (from other sources) that, because I receive half my ex’s federal pension through divorce decree, my eventual SSI will not be affected by WEP? Thanks in advance either way :)
How hard is it for the SSA to find the correct SS# for a spouse that died in 1992? I'm now 67, my x & I were married 11 years. I just found out he died from my SSA lady, that was helping me. My phone appt. is set up for Aug. 11th. Just wondering how hard it is to find all the correct SS#'s. Thanks for your help!!!
It’s probably not too hard. It may be faster to check an old tax return if you can find one.
If he was employed. SSA is able to locate SS # by his name and date of birth. I just did it this week
Nice video. But some folks talk about using a loophole for divorced folks that I'm not clear about. I'm the higher-earner and meet the gates for divorced spousal benefits (married > 10 years, divorced > 2 years ago). Can I draw SS as a 'spouse' against her lower benefit now, and then switch to my own benefit at age 70 (which would be much more). Just wondering if I'm leaving money on the table. I'm already retired, so no earned income, but have other income (pension and IRA withdrawals).
People talk about this loophole and it seems there was one if I was born before 1954 (was born later). Thoughts?
Hello my friend I am too in the same position what was his answer on that if your spouse was also younger and can you join us social security that he ever answered that
I have the same question. In my case I was born in 1955 but the deceased ex spouce was born in 1953. My understanding is it meets the the loophole if at least one of the two were born before 1954, However I'd like to know for sure. @Holy Schmidt ?
Well, I wouldn't refer to it as a "loophole". It's just SS rules. No, you cannot draw against an ex-spouse's lower SS. Only the spouse with lower SS can draw from the ex with the higher benefit.
So my ex husband is 7 years younger than me and has a very high income. I just turned 62, and he is 54. So I have to wait until he turns 62 before I can collect on his benefits which will be much more than mine.
Can you ever change ss from one ex spouse to the other spouse, if one ex passes ? Can't find an answer married to each longer then ten years.
Divorced after 25 years...my ss estimate is 1600 at 62.....therefore do I get his if it is higher than mine or just part of it?
My husband died at sixty and never received benefits, I did receive widows benefits but the ssa stopped them so they could evaluate how much the xwife who remarried will split with me. Please tell me how this can be and I still have young children in the home, amazing. Too top it off his remarried xwife is a lawyer. Who gets the benefit, the one who can afford the best lawyer.
Nothing is “split”- you EACH get your own 50% amount (regardless of number of decedent’s spouses & their jobs), discounted by your own age before FARA IF you were married ten years and remain unmarried (or are over 60). There are other protections & survivor benefits depending on age of ex’s kids that you’re caring for,
Please tell us more about what happened.
May I ask, We were married for 23 years when we divorced two 3 1/2 years ago. Just a 1 1/2 years ago, my ex husband passed away. He was 48 and had not collected any Social Security yet. I am currently 44 years old, do I qualify for social security?
You should be able to given that fact pattern, as long as you are not remarried. Call the SSA and ask them how to claim spousal benefits on a deceased spouse after divorce - it happens more than you think. Note that you will still need to meet the age requirements, but once you “come of age” you should be able to claim
My divorce was final July 2016. We were married 13 years. I'm on disability for mental health, and I've been on that for about 10 years. I have NOT remarried.
Is it true I can collect when I'm 49? On a 401k? And, NOT wait until he turns 62 or dies?
Seeking a divorce and have been homeless for several years with and now without him. I'm unaware of his financial status since he ain't in prison anymore being the "victim " we can't which is all good for me except I've received a from the start the smallest amount issued ( mhmr ) disability . Right now I'm not going to he said she said but I stayed for it all then came the second TDCJ sentence
My spouse just passed away. She was almost 50. I am almost 62. We were married 22 years and we each made about the same give or take a little while we were married. What percentage of her SSI would I get at 62 and would I be able to switch over to mine at 70 for the full amount? Also, I plan to keep working full-time to maintain my health benefits, at least till 65. How much am I allowed to make while collecting her SSI?
Great channel, discovering this at the perfect time, though I would rather she be here with us instead.
$18,960 you're allowed to make if you make more they will deduct it from your Social Security
@@sharonberrios9419 thanks, I discovered that number by watching more videos. I plan to delay taking out survivor benefits until 63, maybe 63.5.
@@oldtymer9106i. Gonna take mine at 65....will continue to work too. So yes that 1st year will be affected..
Hi I was married for 5 years and before that we were a legal domestic partnership registered in Ca.and together for 23 years can i qualify for my exs ssi
You answered all of my tricky questions. Thank you
You bet
So if he married the second wife she can claim after a Year after in their marriage?
Is it better to wait to receive ex-spouse benefits? My ex I found out retired last year at the age of 60. However, I do not know if he collecting social security. I was told by a financial advisor that I had to wait until I turned 62 to apply for benefits. Which is why I am confused. From what I have read is you can apply for social security early if you become disabled. But the normal age is 62. So would it be better to wait until I reach 62 or older to receive ex-spouse benefits?
HE CANT COLLECT ss UNTILL HE IS 62 OR OLDER
The way I read the first chart in the video, it is best to wait to age 67 if filing based on the higher earning spouse. What did you find out?
What if the ex-spouse, primary earner, has remarried and dies. Does the current spouse also collect surviver benefits?
If the marriage lasted 10 years possibly. The back half of the video discusses survivor benefits for divorced couples
@@HolySchmidt Thank-you. You are great! Really appreciate all the information you provide. You untangle the web of (seemingly) complicated information and simplify it. Be well.
Do I have to pay alimony a social security benefits to my ex
Pretty different subjects. If the court ordered you to pay alimony, then that's that. If you don't pay it you would probably leave yourself open to legal consequences. If they meet the requirements for spousal SS then that's up to the SS admin. I suppose you could go back to court & ask them to adjust your alimony payments if they are getting SS. Not sure how that might go...
Eleven marriages and ten divorces or spousal deaths? I think the saying “Doing the same idiotic thing over and over expecting a different result is insanity...” applies. Either that or the person may be a standalone cause of suicide deserving of a special entry in the DSM VI. 😅
I am new to your RUclips page, can you please tell me more about widows benefit s
I will be 65 years old by the end of this year, and I am thinking to file a social security benefit. My wife never had any working history, I will be appreciated if you help me how to move in order to file.
There is a link in the description of my videos that will take you to the social security website filing page. That is a good place to start.
Me an Ex were at overseas, How to count to know you divorced is 10 years. On the final paper of judge . Or the date you filled out paperwork?
A marriage of 10+ years. Judge finalizes divorce. Ask your attorney if it is not clear or call the divorce court.
does the ex spouse benefit reduce the primary 's benefit by that 50%
No
uhm... your chart says 9.93% benefit at age 66. (time stamp 7:35)
I lack one day being married to my ex husband 10 years. Can I still be able to draw Social Security fromy ex husband
Married >10, divorced >2. Both 62, don’t know if 1/2 of his is more than my full amount. How can I find out?
Don’t know if I should apply for spousal benefit or not.
Can’t get through to SS office.
Thanks!!
Please reply…anyone.
I am in the same boat. Did you ever find out?
@@maryr130 Yes. I went into SS office. They said that my full benefit was more than half of his so I am better off just taking mine. I guess it’s for people who had spouses that made a substantial amount more than them.
His wages weren’t much more than mine. I thought with the handful of years I took off to be home with my kids when they were little it would’ve made a big enough difference but it wasn’t.
I really got the short end of the stick. No spousal support either. Thank God, for now I’m doing ok.
Hope you are or will be. Take care!
It's a shame but the 2nd marriage is usually put in place purely for ss benefits which is why my ex ain't alive no more and was only married 2 years
If I have been on SSI and 55 and my ex spouse was on ssa disability and over 62 and passed away, what am I eligible for?
We were married 29 years
My ex passed at 53 (didn’t taking ssi yet). We married 13 years I am 50 years old. Am I qualified?
I was married to ex wife for 6 years. Even though she is remarried, can she claim my social security?
does common law work in this case?
No, must be legally married
no certificate of marriage, no benefit from union
I was married for 10 years. We had 3 children. I made more money for 9 of the 10 years at which point he didn’t work for 5 of the 10 years. He made 1K more than me at year 10. Since then he has exceeded my earnings since I divorced him. We are both likely to not remarry as he is intolerable to be around has no patience for others and I’m basically asexual since being married to him. Will I qualify for 50% of his current social security when he retires or dies, as everyone in his family dies prematurely from cardiac issues or lung failure.
So if I was married 20 years, divorced for 8 and started drawing SS from my divorced spouse at his age of 62 that is the only SS I could ever draw. I couldn't switch to my own when I turn 67? Correct?
Correct.
@@BlueMoon-pz9pp Thank you!
I'm confused why can't she draw her SS at age 67? Is it because she is age 60?. I was told I can (age 66) collect from divorce deceased spouse , ex is higher, than collect my SS later at age 70🤷
What if I pass away, and still married at time of death, and not married a full 10 years?
The length or marriage rules only apply to divorce. The survivor benefit for married couples is 9 months
My ex husband just died. We were married for 19 years. I am disabled, 57 years old, and remarried last summer. Can I claim survivors benefits from him??
In most circumstances yes. Talk to the SSA.
@@HolySchmidt THANKS!
If you are remarried it is a sin to collect on your dead husband. Let him rest in peace. Is your new husband a broke ass deadbeat,,,???????
My condolences
I don't understand the calculation
God even from beyond the grave they get ya. Wow.
Ha ha...nope. The same is true for men filing on their ex's record, too. Either way, it works the same, and doesn't affect SS benefits of either the current ex's spouse or current spouse of the deceased, nor the ex's benefit while still living. So no harm, no foul. And the rule was/is that the marriage must've lasted at least 10 years to be eligible.
So many guys don't know this. If you get divorced you ex wife gets half your social security. Boom!!.
She gets one-half of what your benefit would be, if higher than her own benefit, but your benefit is not reduced.
no she doesn't... depends on her own social security .... and if its less then half of her ex husband ss ... its a myth that women get half of her ex husband ss ... some do though ... but here's good news... it goes both ways... not just for women but men to duh
@@indy18286 exactly...it is not even affecting either of the ex's personally...get OVER the emotion and live your life. People should be GLAD the government is picking up the tab and not an attorney. They are the ones that benefit the MOST from any divorce.
Miscommunication. SMH
Dude check your spreadsheet chart out at 66 years showing 9.93% and a benefit of only $211.01 for that year??? If you're really trying to help people you need to do a better job of making sure you don't have any weird numbers in your presentations, it only diminishes your impact.
Sorry I don't like intagram.
You talk too match nonsense,
You make too difficult,
It should be simple,
He did not make up the rules.
Peace.
What a joke