Social Security Ex-Spousal Benefit After Remarriage: Can I get benefits from an ex if I remarry?
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- เผยแพร่เมื่อ 6 ส.ค. 2024
- Am I eligible for Social Security benefits based on an ex-spouse if I am currently remarried? The answer is "maybe." In this show we talk about how you can get a Survivor Benefit if an ex-spouse dies or a Spousal Benefit based on an ex-spouse, even if you are currently remarried.
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So glad to hear this information. I’m 58 and engaged but was married previously to my ex spouse for 34 yrs. His earning was 3 times more than mine. So important to know.
Glad you enjoyed it Linda. It certainly should be a consideration regarding the timing of your second marriage.
@@Dolphinfinancialgroupfl Omg! I'm so thankful I came across this. My question is: My ex-husband passed away four years ago. I did not know he had passed away. We were married for over ten years, I got married again at the age of 65, I’m still married. Will I still be entitled for survivors social security benefits and Will I get the retroactive back pay for the four years I didn’t apply for years after he been gone for four years. I hope I’m making sense… I live in the state of California.
@@foreveryours7464 it sounds like you have a claim for Survivor Benefits. Remarriage after age 60 doesn't change that. Some situations allow for a retroactive decisions up to 6 months. You'll need to inquire with SSA.
@@Dolphinfinancialgroupfl thank, thank sooo! Much for getting back with me and answering my questions.❤️
@@foreveryours7464you are more than welcome. Good luck!
If you get re- married it would have a big impact on your potential spouse if they were on SSI because they would count your spousal benefits ( with X of 10 yrs) agents them, also the couples rule would apply to them. It's a broken and sad system for sure. Love is sacrificed for red tape.
Who is the guest speaker? Tony Sure I looked up. I don’t seem to find them anywhere online.
ty
You are welcome. Let us know if there is other content you would like to see.
So for the purposes of religious traditions towards divorce. How does SS address Legal Separations ?
That's what I did.. Got a divorced. Started filling off my ex...
Is there a way to collect child support never paid child , 4 children from an 11 year marriage, my ex husband recently passed and never paid
Thank you for so much information. So, just to confirm what I understood, if a person has been married 6 times, he/she can choose which ex-spouse's benefit he/she wants to claim [let's say the first spouse] as long as that marriage lasted for 10 consecutive years, he/she is not married at the time of the claim, and is over the age of 62, am I correct?
Yes, you can pick from among eligible ex-spouses. However, for Survivor Benefits, you can be remarried after age 60.
@@Dolphinfinancialgroupfl thank you so much. I have subscribed to your Channel. I am looking forward to learning more.
I hope that i can get and answer to this question.
I was married to may exhusband for 13 years. We got a divorce to be able to save our business and properties from a lawsuit, but we never separated. We did it strictly for business matters. We both retired at 62.
Now he us 82 and im 69.
My husband wants us to get married again for many reasons. Im having a hard time making decisions on his health care, because on papers he is my ex, even though we have been together fo 38 years
My question is:
If we remarry , would i loose the SS benefits that i actually would have if he passed before me?
What happens if we remarry, and he passed way before me? What benefits will i get?
If i passed before him, nothing will change because my benefit is a little less that him. Thank you for this video.
It seems like you are eligible for the same Survivor Benefit whether you remarry or not.
My ex is 65 , gets $2800 mo. We were married 23 yrs. I remarried and divorced before the age 60. 2nd husband has be disabled since he was 17 yrs old. I’m now 62 yrs old, can I claim off 1st husband? And how much would I get ? Would it go up or locked in ? And would I get survivor benefits when he passes ? Or would it stay the same?
If ex-spouse is alive, you could get Spousal benefits (up to 50% of ex-spouse's PIA). If ex-spouse dies, you could claim Survivor benefits. How much you get will depend on your age when you file.
😊
So if I remarried at 45, and then my ex passed away 2012, we divorced 1998, I remarried 2002. I can't get any survivor benefits? He never remarried. He was even in the service when we was married.. We was married 18yrs.
Are you currently married to someone you married before age 60?
I was forced to take spousal support. I did not want to because i was on ssi. I got penalized because at 62 disabled. They said it gave me 200.00 a month. I lost a lot of money. Taking it early. .
Coordination of benefits with SSI is tricky.
So I didn’t realize that you can get survivor benefits at age sixty if divorced. My question is, is the amount reduced if you take it before your full retirement age? Or do you get the full amount available. Thanks!
If you claim SS benefits before your Full Retirement Age (FRA), there will be a reduction based on age. This applies to your own benefit or Survivor Benefits.
If on SSI you'll be forced to take it immediately and be reduced to approximately 75% and that's permanent. not fair but out of your control. If you're X spouse of at least 10 yrs dies, your benefits will then go up.
Yes a lot
My late husband's first wife divorced him after she got caught cheating on him to marry the man she cheated on him with. She remarried in her mid twenties. When my husband passed she thought she would get widows benefits under him and I would get nothing. She was wrong I get all the widows benefits.
Multiple people can claim and receive a Survivor Benefit from the same person, if they qualify.
They took my ex spouse benefits away when I got married. Divorced new husband and got my benefits returned from my previous husband
Married to B from 78-86.we divorced,both remarried and divorced! Me frm 94 to 96. In 2000 b and i remarried.Finished caring for her 24 hrs. A day in Feb. CANCER.I TOOK SS AT 62. 651/2 now. 24 yrs married this time.8 yrs first time. Any i can draw off her SIR???
It sounds like you both qualify for spousal benefits if your spouse is still alive and survivor benefits if your spouse passes.
I have a sister she has been divorced for a long time from her husband..her husband got married again then he passed away just recently..he didn't work or claim taxes so him and my sister had to pay irs back...but now he passed away and she wants ss from him and he remarried and passed..he hasn't worked in years and my sister thinks that she can get his ss..I don't know if his new wife worked I think that she did. My sister thinks she is getting 70%..but if they didn't pay taxes on their business and my sister is now working under the table..not paying in either lol it's complicated..she also said that she is getting back pay from ss...when my husband passed away I did not get back pay as only started my check to me...as said that they didn't pay back pay because I called them...if you can understand any of this can you help please lol oh my goodness lol
What's your question?
But I deserve all of it after 18 yrs of bs
Question…I’m 77 years old started drawing SS at age 62, as did my spouse. We’ve been married 33 years. He gets $2,247 a month. I get $1,478 a month. We are currently in the process of a divorce. Am I entitled to any of his SS?
You would be entitled to a Survivor Benefit if your spouse predeceases you. But your current SS income would not change as a result of a divorce.
You are entitled to his SS and yours depending which is the highest and married over 10 years in which you are. Please call SS to confirm
If you have 2 spouses and married 20 each 1st spoke passed at age 54, will I have a choice as to which spouse I collect widower benefits. Thanks for your help.
Can you please rephrase your question?
@@Dolphinfinancialgroupfl sure if you have been married twice for over 20 years to each one, do I have a choice as yo which social security I would draw from. 1st husband died at 54 with no children so his ss has never been drawn on my 2nd started drawing when he was 62.
Yes, you could choose between each if you are currently unmarried. Keep in mind, that one would be considered a Survivor Benefit while the other would not since he is still alive. These are two different calculations. This also depends on your age. There are too many variables and you should run optimization software.
My (female) friend was married for 8.5 years BUT they lived together over 11 years. They had an 11 year old daughter together and 2 younger kids (3 total together). She married another man around age 45 but was only married to him for less than 5 years. Can she claim on her first husband (the father of her 3 children)?
The rule is 10 years. It seems your friend is 1.5 years short to qualify against her ex-spouse.
An important consideration is common-law marriage. Some states recognize common law marriages and the SSA may also. You'll have to check the local laws about your situation.
Social security and VA do not recognize anything other than marriage.
It boils down to the date the divorce was declared by a divorce decree. I thought my ex and I were married for 19 years. Come to find out after getting divorce decree for these purposes that I was married for 20
I am confused!I am FRA now but remarried at 59-my current spouse and I are talking divorce which will allow me to draw on my first ex spouse-IF I remarry anyone again do I lose ex spousal benefits from my first marriage??
It depends on what type of benefits you are receiving at the time of remarriage. This is tough to explain in writing and you are best served with a brief conversation. www.dolphinfinancialgroup.com/contact-us.php
@@Dolphinfinancialgroupfl I got that question answered today from Social Security but the question they couldn’t answer is the one that was addressed in this video. My current husband and I are considering divorce so I can draw X spouse benefits off my first husband -we married when I was 59 sadly.My current husband and I have been married 8 yrs in Sept September .If my current husband and I remarry after divorce to complete the 10 yr rule after collecting ex spouse benefits for a year and locking in survivor benefits from from my ex to my understanding we have to remarry within the next calendar year or is it from the date of divorce to the date of remarriage that needs to be under one year? Or is it just anytime during 2025 if we divorce this Spring?? I found the information on the SSA website as well, but it doesn’t break it down exactly.
@@Dolphinfinancialgroupfl thank you I have another question for you posted below!!
Ive been getting my soc sec since age 62 (reduced of course), If my Ex dies, (he just started getting his Soc security at AGE 70. Will I get the same Soc Security amount at his age 70 benefit? (I know i would get the reduction). I never remarried. P.S. I AM 74 years old.
It depends on your age: Widow or widower, full retirement age or older gets 100% of the deceased worker's benefit amount. Regarding your ex-spouse's delayed retirement credits (waiting past full retirement age to file), here is what SSA Code says: "All delayed retirement credits, including any earned during the year of death, can be used in computing the benefit amount for your surviving spouse or surviving divorced spouse beginning with the month of your death. We compute delayed retirement credits up to but not including the month of death." www.ssa.gov/OP_Home/cfr20/404/404-0313.htm
Thank you very much for answering my question. Appreciate it!
You're welcome. It is a very good question!
This video describes me to a Tee. On my second marriage currently. Just recently found out I can draw on for survivorship on dead first wife which would be quite nice... I checked with SSA. Problem is I married before 60 as didn't know these intricacies of SS. Now, can I divorce and remarry 2nd wife now that I'm over 60 as she is a keeper, but I'd possibly like to retire early and draw off 1st wife's account. Let my own build till 70. What are the restrictions here? Another site said I'd have to wait a few years to be eligible in SS's eyes. What say you?
If you divorced, you'd be eligible for Survivor Benefits from your first wife and then could switch to your own benefits at 70, if that makes sense financially. However, you have to consider your current wife's benefits and how your decision will impact her. It's best to contact us to run through this complicated situation.
@Dolphinfinancialgroupfl Yes, that is how I understand it. There is no 2 year wait then to requalify and later remarry is there? In your video, you said you've seen this done before.
You could begin the Survivor Benefit claim quickly and provide the details to SSA as soon as possible. The waiting period or timing considerations would be for your current spouse. For instance, if you passed away quickly after remarriage there may be an issue for her as you generally must be married for one year before you can get spouse's benefits...assuming you haven't already been married for 10 years.
@Dolphinfinancialgroupfl I stopped at my nearest SSA office and they said I'd be eligible on my 62nd birthday for nearly $1700 from my deceased ex if I were divorced which I am not.
Is there an easy way to reset the divorce/marriage trigger? I'm thinking this is a viable option and current wife is OK with this. Appears to be the easy way to early retirement? lol
Easy divorce!? We are going to stick to the financials on this one and suggest you get a lawyer's opinion. The financials make sense. Don't forget your current spouse may lose benefits as a result of divorce and/or be subject to waiting period. Please update us all on how things go as we will want to share your experience with others. Good luck.
What if your first husband dies at 52. You are 50 and you remarry before 60. Then your second husband dies. Can you collect on your first husband’s record if it’s larger? I understand the divorce rules but can’t seem to find the rules for being twice widowed. Anyone know the answer?
You have access to either Survivor Benefit and can choose the higher of the two (or your own benefit if higher).
Thank you for answering!
Should I collect at 62 then? Or before my FRA?
@@kimberlyfaill926 we have to run a calculation and understand your situation to answer that question.
What if you remarry before 60 and that spouse died then what
Then you'll have the option to work off of either spouse (assuming they both qualify as spouses). It will depend on which is most financially favorable in your situation.
Im so confused.
My situation is this.
I was married 12 yrs divorced, I then re- married at 51 and divorced 2 1/2 yrs later.
My first husband died in 2017. I believe he may of been on disability prior to his death (his obituary stated he died after a long illness) and also that his earnings were most likely more than mine are.
Can I draw off of his instead of mine?
That depends on your age and if you are currently married. Watch this video on claiming Survivor Benefits: th-cam.com/video/02A1HiO2A2U/w-d-xo.htmlsi=nwIUPqHZ-c0kU-A3
Ok..suppose you're collecting your deceased husband's SS and then you remarry after 60,do you lose those benefits?
Unless you qualify for higher benefits from your new spouse, your existing Survivor benefits won't be impacted.
He took ss at 62 so i would get less. He took it 4 years early to cut my amount. Pretty crappy. He lives with mom now. She pays all the bills. Wow
Your potential survivor benefit is decreased as well: th-cam.com/video/ykHgNDqhgQ4/w-d-xo.html
your back and forth comments does not convey clearly the info. you both do not complement each other conveying the info. check yourself.
I think they complimented each other well. Just my take.
Agreed, and appreciated both of thier opinions