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can you collect your ex spouse social security

can you collect your ex spouse social security插图

Yes

Can ex wife collect her ex husbands social security?

Yes, both an ex-wife and current wife can collect spousal benefits based on the husband’s Social Security. For the purposes of Social Security, both a current wife and ex-wife can be considered dependents of the primary recipient. To qualify for benefits, the current wife must be at least 62, and the marriage must have lasted at least one year.

Can an ex spouse garnish Social Security income?

Can an ex spouse garnish Social Security income? As long as you make your alimony payments on time, your former spouse cannot garnishee your Social Security retirement benefits, which are not subject to garnishment for most consumer debts. However, they may be garnished if you owe federal tax debt or if you failed to repay government-sponsored …

Can a former spouse collect life insurance on their ex?

Yes, you can have life insurance on an ex-spouse if they will agree to sign the application and submit to any underwriting requirements needed to apply for it, and if you still have an insurable interest in your ex-spouse’s life. I.e. Does your ex-spouse pay child support or alimony?

Can one spouse work and other one collect Social Security?

With just a little planning, you and your spouse can make the most of your Social Security benefits. Coordinating your benefits with your spouse’s benefits can help you both get the most out of your Social Security payments. In some cases, it makes sense for both spouses to claim on the same spouse’s earnings record.

How long do you have to be married to collect spousal benefits?

You are eligible to collect spousal benefits on a living former wife’s or husband’s earnings record as long as: The marriage lasted at least 10 years. You have not remarried. You are at least 62 years of age. Your ex-spouse is entitled to collect Social Security retirement or disability benefits . Your former spouse doesn’t have to be collecting …

How long does a marriage last?

The marriage lasted at least 10 years. You have not remarried. You are at least 62 years of age. Your ex-spouse is entitled to collect Social Security retirement or disability benefits . Your former spouse doesn’t have to be collecting his or her retirement benefits yet for you to claim ex-spousal benefits.

How old do you have to be to claim your ex-spouse?

However, if this is the case, the divorce must be at least two years old. (There is no such requirement if your ex is already receiving benefits.)

Does divorce affect Social Security?

Any benefits you receive as a divorced spouse do not affect Social Security benefits paid to your ex, or to their current spouse if they have remarried.

What If My Ex Is Deceased?

Many divorced spouses are eligible for the same survivor benefits as current spouses, which means you could receive the full amount of your ex’s benefits, rather than just half. Again, your marriage has to have lasted at least 10 years and the amount has to be greater than what you’d receive based on your own record. But there is one other big difference: You can begin receiving survivor benefits at age 60, or 50 if you’re disabled.

How Do I Collect a Divorced Spouse’s Social Security?

According to the Social Security Administration (SSA)’s Retirement Planner: If You Are Divorced, when applying for benefits on your ex’s record, you’ll be asked a number of questions about your name and work history, and may need to provide:

How long can you draw unemployment benefits after divorce?

You can even begin drawing benefits before your ex has retired, as long as they qualify and you’ve been divorced at least two years.

What happens if you start taking unemployment at 62?

A few more details: If you start taking benefits at 62 and continue to work, you’ll be subject to the retirement earnings test. Your benefits could be reduced depending on the amount of income you earn.

What happens if you don’t withhold Social Security taxes?

If you receive a pension from an employer that did not withhold Social Security taxes (like a government), your benefits may be reduced according to the Government Pension Offset (GPO).

How old do you have to be to get Social Security?

You are at least 62 years old. You are single. You were married to your ex-spouse for at least 10 years. The benefit you are entitled to receive based on your own work history is less than the benefit you would receive based on your former spouse’s work history. Your ex-spouse qualifies for Social Security benefits.

Does the SSA accept birth certificates?

The SSA will accept copies of tax and medical records, but needs the originals of most other documents, such as birth certificates. Don’t worry if you don’t know where your papers are located. “Do not delay applying for benefits because you do not have all the documents,” it says in bold letters on the SSA website.

What happens if you claim Social Security at 62?

Keep in mind that if you claim Social Security at 62, you’ll reduce your monthly benefit no matter whose earnings it’s based on. To get the maximum payment — 50% of theirs or 100% of your own – you’ll have to wait until you’ve reached your FRA. Claim before that and you’ll get less than half their benefit.

What happens if you claim early for FRA?

Your benefit is based on what they’ll qualify for at FRA. If they claim early for a reduced amount or delay to get higher checks, your benefit won’t be affected.

How much of my ex’s Social Security benefits are used?

If your own benefit is less than 50% of your ex’s, Social Security uses your benefit and then taps your former spouse’s record to make up the difference. You can contact your local Social Security office to find out how much you could get based on their record.

How long do you have to be married to get unemployment?

You’ll only qualify for benefits based on an ex-spouse’s record if your marriage lasted 10 years and you’ve been divorced for at least two consecutive years. Beyond the two-year requirement, it doesn’t matter how long ago the marriage ended. Even if you’ve been divorced for decades, you can use their record if you meet the other criteria.

How old do you have to be to claim Social Security?

Both of you must be at least 62. To claim on behalf of an ex-spouse, he or she needs to be eligible for Social Security. That means they must be at least 62 and have at least 40 work credits, which translates to 10 years of full-time work. You also need to be at least 62, regardless of whose record you’re using.

Who is Robin Hartill?

Robin Hartill is a Florida-based personal finance writer and editor, and a CERTIFIED FINANCIAL PLANNER.? She is a graduate of the University of Florida. Love and marriage don’t always work out. But even if your marriage ended in divorce long ago, here’s a piece of good news: You may be able to get more Social Security by taking benefits based on …

Can you double dip Social Security?

Social Security doesn’t allow for double dipping. Essentially, you’ll get whichever is higher — 100% of your own retirement benefit or 50% of their benefit, but not both. 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, …

Divorce and Social Security Spousal Benefits

If you are divorced, you must have been married for at least 10 years to be eligible for a spousal benefit through your ex-spouse. In addition, you’ll need to have been divorced for at least two years and be currently unmarried. “Both you and your ex-spouse must be at least 62.

Eligibility Requirements for Divorced Spouses

Before you can receive benefits on your ex-husband’s Social Security work record, you must meet all of the following spousal-benefit eligibility requirements:
? your ex is entitled to Social Security retirement benefits
? your marriage lasted at least 10 years
? you are unmarried
? you’re at least 62 years old, and
? the benefit you’re entitled to on your own work record is less than the benefit you’d receive on your ex’s record.
If your ex-husband hasn’t applied for benefits yet, but qualifies for them and is age 62 or older, you can receive benefits on his record if you’ve been divorced from him for at least two years and meet all of the requirements listed above..

Eligibility When Your Ex-Spouse is Deceased

If your ex-husband dies, you may receive benefits on his record, as long as your marriage lasted for at least 10 years.

Types of Social Security Benefits

There are four basic types of benefits based on the person receiving them. The types are retirement, disability, survivors and supplemental benefits.

Retirement Benefits

Retirement benefits are what typically come to mind when most people think of Social Security. Such benefits are available for people 62 or older who have worked at least 10 years. Your benefit amount will vary based on your pre-retirement salary as well as the age at which you begin collecting benefits.

Disability Benefits

Disability benefits support people who cannot work because of disabilities. As with retirement benefits, you need to have worked a certain number of years to be eligible for Social Security Disability Insurance (SSDI) benefits. The amount of work you need depends on your age, and your monthly benefit amount depends on your pre-disability salary.

Survivors Benefits

Survivors’ benefits can help bridge financial gaps for survivors of workers and retirees. Eligible recipients typically include help for widows and widowers, divorced spouses and children.

Does Social Security pay your spousal benefit first?

If the spousal benefit is larger, Social Security pays your retirement benefit first, then adds enough of your spousal benefit to make up the difference and match the higher amount.

Do you get more Social Security if you have two Social Security benefits?

As a practical matter, however, you’ll get the higher of the two amounts, and no more. That’s because when you are eligible for two kinds of benefit, Social Security does not combine them but rather compares one to the other. If your retirement benefit is higher, you receive that amount. If the spousal benefit is larger, …

Does Social Security combine benefits?

That’s because when you are eligible for two kinds of benefit, Social Security does not combine them but rather compares one to the other. If your retirement benefit is higher, you receive that amount. If the spousal benefit is larger, Social Security pays your retirement benefit first, then adds enough of your spousal benefit to make up …

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