Can a surviving spouse collect Social Security?
When a Social Security beneficiary dies, his or her surviving spouse is eligible for survivor benefits. 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.
Can a divorced person collect Social Security from an ex?
You can receive benefits on an ex-spouse’s record if you have been divorced for at least two continuous years and the ex-spouse has not applied for retirement benefits but can qualify for them. If you are eligible for retirement benefits on your own record, the Social Security Administration (SSA) will pay that amount first.
What percentage of Social Security does a widow receive?
These are examples of the benefits that survivors may receive:Widow or widower,full retirement age or older — 100% of the deceased worker’s benefit amount.Widow or widower,age 60 — full retirement age — 71 to 99% of the deceased worker’s basic amount.Widow or widower with a disability aged 50 through 59 — 71%.Widow or widower,any age,caring for a child under age 16 — 75%.More items…
Can you collect ex husband’s Social Security?
A spouse may be eligible to collect some of their ex-spouse’s Social Security if they meet all of the following requirements:The couple was married for at least 10 years. The spouse attempting to collect Social Security must be at least age 62 (the qualifying age for Social Security).
What is the maximum spousal benefit for Ann?
The maximum spousal benefit for Ann would be half of Jerry’s PIA (or earned benefit at Full Retirement Age).
What is the second loophole in Social Security?
The second loophole that the law ended was a practice called file and suspend. File and suspend was a popular method used by married couples to get the most out of their Social Security benefits. In that scenario, the higher earning spouse would file for earned retirement benefits when he or she reached Full Retirement Age, but then suspend those benefits. His or her spouse, however, was still allowed to start collecting spousal benefits. Meanwhile, the higher earning spouse would delay taking Social Security for as long as possible to grow their earned benefits. This loophole is entirely closed and would not make sense for divorced couples who aren’t combining income and don’t require that the higher earning spouse claim earned benefits before the other spouse can collect spousal benefits.
How much PIA do Ann and Jerry get?
Since Jerry and Ann are both 65, they could theoretically start collecting 92.2% of their PIA or 45.1% of their spouse’s benefit. Let’s calculate Ann’s benefit options:
What is Ann’s PIA?
The amount that Ann is entitled to receive is based on Jerry’s PIA, Ann’s PIA and when Ann decides to claim Social Security. As we mentioned above, PIA represents the amount that you are eligible to receive in earned Social Security retirement income per month if you claim at Full Retirement Age . The Social Security Administration will multiply your PIA by a factor, depending on when you decide to start collecting Social Security benefit; you can start collecting benefits at 62, but the longer you wait, the more the monthly amount will grow, until you hit 70.
How old are Jerry and Ann?
Jerry and his ex-wife Ann were both born in 1955 and are now 65 years old; Full Retirement Age for them is 66 and 2 months
What should Ann and Jerry’s decisions be based on?
For both Ann and Jerry, decisions around when to claim should be based on their expected life spans, earnings expectations and how much they need the money to cover expenses.
How long do you have to be married to claim Social Security?
Have been married to the relevant ex-spouse for at least 10 years. Have been divorced for at least two years before you claim OR have an ex-spouse already collecting Social Security retirement benefits. Be unmarried. Be age 62 or older (the same goes for your ex-spouse)
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.
How long do you have to be married to get Social Security?
There are other rules, of course. You must have been married to your ex-spouse for 10 years or more .
How long do you have to be married to collect unemployment benefits?
You must have been married to your ex-spouse for 10 years or more. If you’ve remarried, you can’t collect benefits on your former spouse’s record unless your later marriage ended by annulment, divorce, or death.
Can thinking about an ex-spouse be emotional?
No doubt about it — thinking of an ex-spouse can be emotional. And, if your finances have changed for the worse since the breakup, even more emotions can surface.
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.
How long do you have to be married to collect Social Security?
To collect Social Security benefits based on a former spouse’s earnings record, a divorced spouse must meet these requirements: You must have been married to that spouse for 10 years or more . You must be at least age 62. You cannot currently be married.
How to apply for divorce benefits?
How to Apply for Benefits as a Divorced Spouse. You can apply for benefits online by going to SSA.gov, or making an appointment at your local Social Security office. To apply for benefits on a former spouse’s work record, you will need to have that person’s Social Security number or date and place of birth and parents’ names. 7.
What happens if my ex spouse’s Social Security benefits are higher?
If the benefit on your ex-spouse’s record is higher, you will get an additional amount so that the combination of benefits equals that higher amount. 1. If you were born before January 2, 1954, …
How old do you have to be to get a divorce?
The marriage must have lasted for at least 10 years, and the divorced spouse must be at least 62 years old. If the requirements are met, the divorced spouse can receive an amount equal to as much as 50% of their ex’s benefits.
How much of your ex’s retirement benefits can you receive?
If you meet the requirements, you can receive benefits equal to as much as 50% of your ex’s retirement benefit. Filing for these benefits is a fairly straightforward process, and to protect your privacy, your ex-spouse won’t be notified when you do.
How long do you have to be married to get a divorce?
You must have been married to that spouse for 10 years or more.
Can an ex-partner collect Social Security if he remarries?
Even if the former spouse remarries and the new spouse is collecting Social Security benefits based on that person’s employment record, the ex-partner can also collect based on that record. 6
What happens to your Social Security if your ex-spouse dies?
We go into a deeper dive about Social Security benefits for divorcees here, but if your ex-spouse dies, you are treated the same as a spouse that was married, even if your ex-spouse got remarried.
What happens to Colleen’s check if she dies first?
If Colleen passes first, the $1,500 check also goes away. No matter what happens, when one part of the couple dies, there will be a significant loss of income. We recommend everyone in retirement have at least $25,000 worth of life insurance to make up for this immediate loss of income.
What happens if you remarry and you are widowed?
If you are widowed a remarry before age 60, you lose the ability to claim off your deceased spouse. If this marriage ends, you regain the ability to claim survivors benefits.
How much does Colleen get in Social Security?
Mike’s benefit is $3,000 a month and Colleen’s benefit is $1,500 a month.
When did Ellen and Bill start collecting their own benefits?
For example, Ellen and Bill both worked their entire lives. When Ellen was 58, Bill passed away. At age 60, Ellen applied for survivors benefits on Bill’s record. Then, when she hit her Full Retirement Age, which is age 67, she switched over and started collecting her own benefit.
Can a widow get Social Security if she dies?
When a Social Security beneficiary dies, their widow or widower can be eligible for benefits on their deceased spouse’s record. These benefits can start earlier than normal Social Security benefits, which is a lifesaver for many people who need to fill the income gap that’s created by a deceased spouse. Starting widows or widowers benefits early …
When do you start receiving survivors benefits?
If you start a survivors benefit at age 60 , the benefit will be reduced from it’s full amount. To receive the full amount, you would have to wait until your Full Retirement Age (FRA) to start your benefit. You can learn more about what your Full Retirement Age is here.