Fifty-two … The government will withhold some of your Social Security earnings if you make too much in income from other sources. The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. In order to qualify for a subsidy, married applicants must file joint tax returns.If your wife experienced a qualifying event (for example, losing her employer-sponsored plan when she became self-employed), she can enroll in the exchange during the special enrollment period triggered by her qualifying event. Best, Jerry There are three children from his first marriage. They get either a payment based on their own work record or survivors benefits based on their spouse's work record. In the year you reach full retirement age, Social Security becomes more forgiving. The privacy act would preclude Social Security from releasing information about the entitlement of a surviving spouse/ex-spouse to another surviving spouse/ex-spouse, so they wouldn't necessarily know if another person is drawing benefits. If you do get … By the way the second wife never worked. Finally, does an ex-husband have a claim on his ex-wife’s Social Security as well? So if the husband opts to access his Social Security benefits early, upon his death, the wife will collect 100 percent of his reduced benefits. My spouse and I both have paid into the Social Security system for over 35 years each. I worked 28 years in social security covered positions, then began teaching, 19 years in CalStrs. 02-06-2021 10:06 PM. Heather Frances has … @DorisB24065. This will be a larger amount than if they had started sooner. A person might still be able to collect Social Security benefits based on her ex-spouse’s work record, once the covered ex-spouse becomes eligible to receive them, if the marriage lasted at least 10 years and his benefits are greater than hers. If you are married, you are eligible for a Social Security retirement-age benefit based upon your spouse’s work history. However, if all of the family members received the amount they were fully eligible for, Social Security would be paying 250% of the husband's disability benefit to the family (100% for the husband, 50% for the wife, and 50% for each child). Deceased workers may have fewer credits to meet qualifications. First Wife, Second Wife, Third Wife - Who Gets a Bigger Spousal Social Security Benefit? Find out if a husband and wife can both collect Social Security and what rules govern the process. My husband and I both get Social Security. "What Every Woman Should Know," Pages 16-17. There is one exception, however: If your new spouse is currently receiving Social Security benefits as a wife, husband, widow, widower, father, mother, parent, or disabled child (i.e., a benefit other than a retirement benefit), you can continue receiving divorced spouse benefits based on your ex-spouse’s work record. Less well known is that this benefit applies to divorced spouses as long as the spouse has not remarried. Generally, during the initial interview when applying for Social Security benefits, we typically explore all other benefits that could yield you a higher benefit amount. As a matter of federal law, your wife may receive Social Security based on your earnings, but not half of yours. That means that each one is also entitled to dependents benefits (spousal retirement benefits) based on the other spouse's work record, as well as survivors benefits based on the work record of the spouse who dies first. And Social Security does also offer flexibility for a spouse whose partner dies. “One, your wife’s spousal benefit will be based on 50% of your FRA amount, and not … If your spouse received Social Security benefits, then Social Security will have checked qualifications at the time retirement benefits started. I then married the same man in November 2010 and divorced him a second time in January 2014. If you are age 62, unmarried, and divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record. Q&A: Spousal issues with Social Security leave couples perplexed. In all other respects, the rules for collecting Social Security based on an ex-husband's earnings are identical to those of a woman still married to the husband. Most of the divorce rules make it harder for ex-spouses to claim Social Security than current spouses. You may be able to do this in the form of spousal benefits, or as survivor benefits if you are a widow or widower.. And when I became pregnant, I was met with a nod and a shrug. An individual must have a minimum of 10 years or 40 credits of employment paying Social Security taxes to receive benefits. Her 1099 from Social Security should be entered on your return. 1. In addition to the retirement annuities payable to employees, the Railroad Retirement Act, like the Social Security Act, also provides annuities for the spouses of retired employees. Divorced spouses may also qualify for benefits. Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit to which he or she is entitled at full retirement age, or FRA). My second husband and I have decided to get a divorce in order to be able to receive my first husband’s survivor benefits. You didn't provide the details on your ages, just saying that you're both older than 65. If your spouse was already past age 66 or 67 and had not started taking Social Security, you may get a higher survivor benefit than if they had filed sooner. Was it? A few years ago, I was having a drink with a (younger) former assistant of mine who was in love and newly … My wife is disabled, does her income count and will filing jointly cause any issued with her disability payment? If you plan to use your husband’s retirement benefits instead of your own, you immediately qualify to receive a pension based on his work. You want to get the Social Security benefits you’re entitled to, but knowing what you’re owed is confusing. The maximum spousal benefit—for spouses or ex-spouses—is 50 percent of the worker’s benefit at full retirement . Report. Your ex-wife may qualify for divorced spouse benefits. Social Security Administration. Accessed June 20, 2020. She recently reached FRA (66). Once you earn more than the limit, Social Security deducts $1 from your benefits for every $2 you earn. The maximum amount of Social Security benefits you can receive based on an ex-spouse's record is 50% of what your ex-spouse would get at their full retirement age. I will be 62 in November and would like to ask if I can take half of […] Social Security Expert: lev-ssa , Retirement and Benefits replied 1 year ago The taxability of it depends on the rest of your income. I was married for over 21 years to my first husband and I had 3 children and he worked hard provide for us. Q. Widows don't get two monthly Social Security checks. Ask the Social Security Administration to compare the records from your previous husband with those of your second husband so that you can claim the record that provides the greatest benefit. Early collection of survivor benefits. Benefits paid to the first wife will not affect benefits paid to the second wife. Social Security Benefits for Wives & Ex-Wives 2. Your ex-wife can receive Social Security retirement benefits based on your payment record if you were married for at least 10 years. Your spouse will need his or her Social Security number and birth certificate. Social Security Administration. So, if an ex-spouse’s benefit would be $2,000 a month, they would be entitled to $1,000 a month as an ex-spouse. ... Will I be able to get Social Security on his record? Is my wife able to […] Q&A: Social Security spousal benefits count as yours Dear Liz: My husband is 69 and taking his Social Security benefit. — Retired. Since you're the higher earner, you won't receive anything in the form of a spouse's benefit. But … While the basic rule states that you must be married for one year, there are exceptions. My husband passed away 9 years ago, my children received social security benefits as they were minors at the time. I am 80 and getting Social Security from my first marriage. [+3] - joefromchicago - 10/01/2010 [quote="regina38"] I AM THE SECOND WIFE, I WOULD LIKE TO KNOW WOULD I GET MY CURRENT HUSBAND'S SOCIAL SECURITY BENEFITS AND RETIREMENT? Then, as long as your ex-husband is also 62, and you are not drawing bigger benefits on your own Social Security account, you can collect up to 37.5 percent of his full benefit. It is common knowledge that husbands and wives are entitled to collect Social Security benefits on their spouses' work records. He started collecting Social Security Disability when he was 40. A divorced woman can collect Social Security based on her most recent husband's benefits, provided she was married for a minimum of 10 years and does not remarry prior to age 60. The benefits collected by a divorced spouse does not reduce the benefits received by … My wife would like to collect Spousal Benefits instead of Soc Security based upon her own earnings. They view the decision as if they were single, which means the main factor they consider is their break-even age.Instead, they should be looking at the joint life expectancy of both partners. Can an Ex-wife Receive Social Security Benefits From a Dead Husband? In most couples now reaching retirement age, both husband and wife have earned some Social Security retirement benefits. Your benefit could be reduced or denied if your ex-spouse claims Social Security in a certain way. Social Security retirement benefits may not be the first thing on your clients' minds when they are getting divorced, especially if they are younger. Denise — Staten Island, N.Y.: I was married for 15 years to my ex-husband. Dear Liz: My husband passed away 10 years ago at age 66. A. Typically, if your spouse passes away, Social Security first pays out a one-time death benefit of $255. I started collecting Social Security two years ago. The short answer is that you can continue to get them, but with some caveats. If the amount you qualify for based on your own work record is more than what you'd get from 50% of your former spouse's full retirement, Social Security gives you your benefit, not your ex's. benefit on your husband’s record. 1. If you are age 18 or older, you can apply for a social security number in your home country when you apply for an immigrant visa with the U.S. Department of State. 1. Social Security Administration does NOT share your banking info with the IRS. A surviving spouse can collect 100 percent of the late spouse’s benefit if the survivor has reached full retirement age, but the amount will be lower if the deceased spouse claimed benefits before he or she reached full retirement age. I am currently 56 and we plan to remarry after I turn 60. And the ex-spouse must be entitled to Social Security retirement or disability benefits on their own. Collecting alimony will offset the Social Security benefits, but she is still eligible to file on your record as long as she is not remarried and is at least 62 years old. Q: I was married to my first husband for 23 years and have since remarried to a man seven years older than me. A wife is due between one-third and one-half of her husband’s Social Security. Social Security benefits can be confusing enough, and when you get into the rules and regulations concerning ex-spouses they're potentially even more so. --M.R. The Social Security Earnings Penalty. 3 . How Social Security Benefits Work for Married Couples The first thing you need to know is there are three different types of Social Security benefits : Retirement: What most people think of when they think of “Social Security benefits”; the amount is based on your average income over your 35 highest-earning years Payment of a spouse annuity is made directly to the wife or husband of the employee. “If your second marriage didn’t last 10 years, you’ll still be eligible to collect benefits on your first spouse’s record,” Barzideh says. Q: You've written in AARP Magazine's September/October 2009 issue ( 'Boost Your Income') , and in posts on this blog that a divorced person can collect Social Security benefits based on his or her ex's record. Help Me Retire I’m 63, my husband is 70, we’ll have $90,000 a year in retirement — how can we claim our Social Security benefits? I don’t plan on filing until I am 70. My wife filed for Social Security retirement at age 62 (4 years ago) under her own earnings. An individual must have a minimum of 10 years or 40 credits of employment paying Social Security taxes to receive benefits. 3. 1. Widows can claim benefits at any time between 60 and their survivor full retirement age. If you re-married and your second spouse is deceased, you qualify to claim benefits from either your first spouse if that marriage lasted at least 10 years, or your second spouse as long as you were married at least 9 months before he died. The spousal benefit amount is further decreased if you file before you reach your own full retirement age.
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