😃☎FOR FREE MEDICARE HELP, please call my Medicare partner, Chapter Medicare, 352-841-0632 Private consultation with Dr. Ed? Schedule: calendly.com/mygovexpert/consult Get ALL your questions answered privately AND support all of our FREE CONTENT!😃☎
Want to send a big thank you to the SSA. My Ex-husband passed away during the pandemic. The local office was closed and the staff were working from home, I assume. I managed to get hold of an agent, He had me mail my documents to him, and that same week I had my first month's pay in the bank. Unbelievable!
First time I've ever listened to your channel and I'm getting so educated and this is awesome and I was just lucky that you popped up on TH-cam I feel blessed
Oh holy cow!!! I didnt know it was 100% I would receive from the ex. You're right he couldnt put no SS in the decree BUT he is trying hard to outlive me. He ducked out after court, left the state, judge ordered him to pay alimony, he didn't. Moved to a state that doesn't force alimony payments. So he is 77, I am 71. He has had triple bypass, has emphysema and COPD and still hanging in there. SS told me I could call every couple months to see I qualify yet, hidden message when they say no you're not eligible for any extra right now (close enough) thats the heads up he is still kicking. They also told me that I would have like back pay since I have no way of knowing except theough them. But I'm not sure how long they said back pay would be available. But Ed you have helped me considerably since I found you here and I appreciate you so much.
You don't need to wait till he's dead. You can collect 50% while he's still living. It'll automatically be 100% after he's passed. He'll never know if you are collecting. His benefit will not be touched.
Please talk about the card that is being advertised for seniors. That claim is up to $3,000. To use for food, pay bills, etc. Please tell seniors its a scam!
I Will be filing for my husband’s SSA, how does Social Security calculate your spousal benefits? I remember something about your husband has to draw double , Are the benefits anything over double is what you would get an addition? or is it I get Half of what he draws. I don’t know why they make this so confusing but it is. Also, I’m not sure how long I’ve been eligible to draw my husband’s SSA but my question is would I be able to apply for backpay? Thank you, Dr. Ed.
I started collecting SS at 62, I’m now in my 70’s. I get $802 and my husband retired at full retirement age . He gets $2291.00. Question is , if my husband should pass , what percentage of his check would I get. We were both wondering how this would work. My husband is fine! Just curious !! 😂
My understanding is that you are entitled to a spousal "top off" NOW of +/- $300 to bring yours up to half of his present benefit. Upon your husband's death you would be entitled to the equivalent of his benefit (100%).
Ed awesome work as always! Super important information on the IEDS and Survivor pieces of this complex jigsaw puzzle called retirement! Cheers, Michael Albuquerque NM USA PS I learned to drive in my Grandma’s 1970 Chevy Impala with the small block 8! On idle it went fast enough while I was first learning! Heheheheheh!
When I filed for my social security benefits I was 62 . Been receiving SSI instead I’ve been receiving this for 18 months now. I keep hearing you say check your earnings over and over and over. I did last night and by this woman at the SSA putting me on SSI instead of my benefit earnings I’ve been shorted over 14,000 $$. Now I’ve read that by taking them early I’m 0:230:23 going to be penalized for this for the rest of my life . Exceptions , exceptions, exceptions. Now what do I do ? Re file . Every single time I have called the SSA I have been MIs informed and now it has cost me $$. Not to mention it has affected every part of my life for the last 18 months. My earnings clearly show what I should be getting every month. I want answers. I believe this is what is wrong with the whole system giving out wrong information to everyone leads to all the questions you get . I can’t believe what I have read tonight. I’ve worked all my life and they gave me a state based welfare program check that doesn’t even come close . Now what???
I filed for my my benefits at 62 then when my husband file a few months later i didn't even have to file for my husbands benefits the SS office actually contacted me to ask if i wanted to file on my husbands benefits i said yes. Turns out i only got an extra $3 or $4 dollars off of his i told the guy i would try not to spend that extra money. 🤣🤣
Dr. Weir, we love your education that we feel someone take care of us finally! I have a question, my husband had cancer 3 years ago, can we file disable benefit? Thank you!
Ed Isn’t the lack of a cap on earnings for Medicare proof that doing so with Social Security would make sense?!! Would love to hear your assessment of ratcheting back the age to begin Medicare in 5 year increments, so 60 in 2030, 55 in 2035 and so on, getting in premiums from younger healthier people, and hopefully preventing chronic illnesses like Diabetes or finding Cancer in earlier stages when it’s still possible to cure. Cheers, Michael Albuquerque NM USA
Is there anyone who would be willing to go with you or, if you're on the phone with the SSA, is there someone who could be there with you and you could put it on speaker? I don't know the laws in your State but in mine, I'm the only one who has to be aware I'm recording the conversation. You could ask the SSA for permission to do this.
Assuming that you are an adult, contact your county's Adult Protective Services and explain about your brain injury. They generally will have a booklet or list of non-profit agencies and individuals who may be able to assist and advocate for you with Social Security. As an adult person with special needs, there are likely agencies in your area who can help.
I just turned 65- I applied for medicare and was told I should apply for spouse SS benefits as I didn’t have enough work credits on my own. My husband is on early retirement due to disability. After crunching the numbers i decided to apply for SS. During my application my interviewer commented that my husband had a workman’s comp claim. He did, but was closed in 2008. He never got financial payments only covered his medical cost for work injury. Interviewer said he could see no payments had been made in years and didn’t think it would be a problem. But it has been. My benefits were severely docked. When i found out and the reason we provided the paperwork proving claim was closed and no payments of any kind had happened since 2008. The super visor at my local SS office resubmitted my application but now almost 6 weeks and counting i have heard nothing. I went back to SS office and was given the run around. I don’t know if I need to wait longer- or file an appeal or what I should do now. Thank you for your advice, this has caused a lot of stress.
Any person who was married for ten or more years and NOT remarried,and has the marriage certificate and official divorce decree, can apply to collect as an independently entitled spouse. The former spouse has to make at least double the Social Security benefit as you are making, to claim on theirs. We are required to file for our own record first, and then we would receive the Difference to make our benefit Equal to Half of the Ex-Spouse’s. When the former Spouse passes away, we could collect their entire amount as a Survival benefit.
Does a collecting spouse's 100% disabled veteran status change any social security rules? side note: Months before medicare kicked in at 65, I got a letter from social security/medicare with a prepaid return envelope. It was a welcome to medicare kind of letter.. confirming my address for the card and it gave me the option to decline part B, without any qualifying other insurance questions.
Im going to have to sign up for Part B when I leave, as Im moving out of state, wish I could take my job with me, but does it mattter that I already will have work health insurance until Nov. so should I sign up for 2026?
My husband is the soul breadwinner and is wanting to retire next year at age 62. I realize that we can only bring in $35,000 from SS. However, we have a rental that we get income from. What percentage will we have to pay for that additional income? Thank you :)
I've been receiving surval spuose benefits for about 6 years, I am going to be at FRA in about 8-10 months. Soc. Sec told me that I will continue to be at my ex/deceased (federal government employee) level. What happens when I am at my FRA? Do I get both?
And because of that you might want to wait to let your own grow until you are 70, because each year after your full retirement age that you wait increases your benefit by 8%, so you will receive 24% more at 70, while receiving the survivor benefits in the meantime.
What happens when you are already collecting social security check and you suddenly inherit, say, 1 million from a relative. It's a one time deal. Does that change what you collect from social security the following year?
I am 63. My husband died at 59. I received survivors benefit at 60. My husband would be close to 70 now had he lived. Am I entitled to Delayed retirement credits? And would they begin automatically?
You don’t get delayed credit on his benefits (because you are taking the benefits not only on time but early, lol). However, your own benefits are growing and it’s possible that at some point-either when you are 70 or before-your benefit might overtake his; you should definitely ask SS!
@@user-bg9em7ch6k thank you. I guess I was hoping that because he never took retirement that it would magically increase at the FRA had he lived. I’m holding out for 67 to get my full benefit. But boy it’s not easy. Thanks for responding.
I just read that spousal benefits for survivors , has changed if you claim your deceased spouse benefits you can no longer allow your credits to grow until you are 70 to maximize . You can no longer switch over to your benefits at 70, that was just changed, is this correct?
@@MyGovExpert I googled it, as of 2024 a long standing rule allowing individuals to switch between their own benefits to maximize their payout has officially ended for most people , except those who were 70 years old on January 1, 2024., which means most couples can no longer use the strategy where the higher earner claims spousal benefits at full retirement age and then switches to their own benefits at 70 to maximize their benefits.
Can I Not take Ex Spousal Benefits? If I do, I’ll have to pay for Part B Medicare and my rent will go up!! For my own situation, I’m better off keeping my monthly income low. I have PASSIVE INCOME THAT DOESN’T count towards either…. I need to keep my monthly check below $1,500.
Hey Doc I appreciate all you do for us retirees and my question is I just recently retired at 62 and my wife passed away at age 42 married for 17 years do I qualify for some type of survivors benefits or not.
You should definitely talk with SS because you could have been collecting on her record since you were 60, so if you haven’t filed yet you should ask them to run the numbers on her survivor benefits vs your own benefit. I’m going to take my deceased spouse’s survivor benefits in January-when I turn 60-and wait to take my own when I turn 70 because they will grow between now and then.
Some math. Hopefully someone can help. If I am getting $1300 ss , and my exhusband will collect if he retires at 65 $2800, how much will my ex husband benefit be for me??? $200 ???
Half of $2,800 = $1,400, but if you filed before your full retirement age then not only is his benefit reduced (due to filing at 65 rather than 67), but your benefit will also be (further) reduced so you might not be eligible for anything from his record.
Can a person getting survival benefits get benefits on their ex if they were married for over 10 years on their first? please explain survival and divorced benefits and if a person can get both or one or the other if they get or are remarried.
When I was 55 I went out on SS disability. When I went to SS when I was 62 asked about ex spouse benefits . They compared his benefits to mine when I was 55 and he was 54. He didn’t make 2x more than me at that time. Now being 65 him now 64 will they look at my benefits I got at 55 to his now 64 years. He probably will have 2x more at this time. I feel like I’m being punished for going out early do to health. Why won’t they compare my benefits now to his now? Please help
I currently receive half of my current husband’s social security benefits. He is alive and we are married in the same house together. I am 66 yrs old am I eligible to receive any of my former husband’s benefits? I was married to him for more than 10 yrs. He is still working and is 66 yrs old.
My husband applied for his ss ad they gave him less than quoted , he ask why and they said he gets pension from the government, which he does not . He gets pension from another union , not government at all , he has sent all the info necessary but still have been waiting for 5 months for his readjusted amount . Also , he gets less that what was quoted to hom , years ago. not sure what that is about .
I'm a civil service annuitant, My ex-wife worked for the state of Illinois and retired on disability. We were married from 1972-2008. She died in 2016. Is it possible for me to receive deceased spousal benefits from SSA? I am currently 76.
Ill never understand any of it. I became disabled July of 2021 at age 56 and qualified for SSDI. My late husband passed of a heart attack age 59 Jan 2021. We made similar lifetime amounts, both Vets but 1 term. I was told my income would not increase until he would have been 67 and it will be $20? Sounds like a slap, he'd be horrified. If he knew his lifetime of work was absorbed it would break his heart
I understand. My step daughter arranged for her mother(whom she hates) to go to a retirement home in Canada and told me her mother was able to keep her Canadian gov't pension as well as ex wife benefit from my husband. I had to give up my Soc. Sec. to receive widow benefit from my husband. Now I hope I can receive a bit of his Canadian Gov't pension. I think its called CPP.
The tax on social security is based on your adjusted gross income. If you’re single and your AGI is under $25k it’s not taxed. If your AGI is between 25k and $34k up to 50% of your SS benefits can be subject to tax, and if your AGI is above $34k up to 85% of your income can be subject to tax.
I have been receiving my deceased husbands benefits, he passed away in 2012, I am receiving his benefits, can I get both benefits or do I have to wait I am going to be 65 and have also have worked for years, I am presently not working and going to turn 65 in 2025.
I began collecting my SS retirement benefits at 62 and after my divorce. I'm now 70 and continue to collect only my SS retirement benefits. I was married to my ex for 18 years. He had been collecting his SS retirements benefits (a higher amount than mine) before we divorced. He passed away a few years after the divorce. Would I be eligible to collect any portion of his benefits a) at all, or b) in addition to mine, or c) instead of mine? P.S. I just discovered your channel and liked/subscribed. You are amazing! Thank you for doing this❣️
@@MicheleEngel I think you would collect 100 percent. You were married more than 10 years, collected on your own SS benefits for a few years and now that he's passed, you'd get a widow's portion, even if he married after your divorce. Get your marriage certificate, his death certificate (which you can get online at the county records dept.) Call your local social security office, make an appointment, and bring them along. You'll also need to know his social security number.
@@ElaineAntcliffe ! Thank you for the prompt and encouraging response🥰. That was going to be my next question: what documents do I need to have. I have all that. Just wish I'd known about this sooner; he died a few years ago, and I had no idea I might be eligible for widow's benefits. Well, better late than never .... This is very good news!
@@ElaineAntcliffe Yes, I figured that. I have copies of all of those--not sure they're the official county records, though, so I'll request them. I have it on my calendar to call SS to make an appointment on Monday. Do you happen to know if any of the funds, should they decide that I do qualify, would be effective retroactively? He passed away about four years ago.
If you were divorced, but due to not working while raising kids, I had to collect surviving spouse benefits when my ex husband died. If I can get a job and stop benefits will I get more of his benefits if I wait till age 67 to collect again? Or will the amount I receive be the same as it is now?
I called social security to get info on collecting my own benefits vs what I get my deceased husband benefits .. to see if I can later get a built up amount of money from mine, and she didn't know anything about it. I get the impression many of who you talk to at ss have no education on the subject and mislead you and don't care. Shocking
So if you're currently married, you cannot collect on a former spouse whether they are alive or not, correct? What if I get divorced from my current spouse, then can I collect on any former spouse? In any case, it has to be at least 2x my amount, correct? Thanks for clarifying.
I had a deceased spouse with disability benefit. We married more than 20 yrs. He passed away @ age 56 this year, I’m 54. At what age I can apply for survival spouse benefit? What form I need to use? I’m waiting for your reply. Thank you
I filed in 2011 at age 62. I told SS rep I wanted to file on ex-husband's record and suspend my benefits until I reached either FRA or age 70. He said there was no such thing as suspending mine. Ive since been told he was wrong. If so, now at age 75, do I have any recourse to go back and get any money i lost by not switching from his to mine when i turned 70? Thank you so very much for all your help!
You were not told wrong. You seem to be confusing survivor benefits w/ div. spouse benefits. They have different rules. When receiving div. spousal benefits SS requires you to take your own benefits first. You CANNOT suspend your benefits to take you ex spouse's benefits. Whoever told you otherwise was wrong.
@penelope5500 I was told that what you are describing became effective in 2016, but that when I filed in 2011, I could have suspended my benefits to let them accrue. I'm pretty sure Ed often mentions the 2016 change in his videos.
@@lk-ol2jt Ah, that is the old "file & suspend" strategy. From what I remember it was the currently married man (usually the man) who filed, then immediately suspended leaving his spouse open to spousal benefits. Whether that also applied to a divorced spouse I do not know.
I will be 62 next month i receive ssdi can i receive spouse benefit on my husband who is 63 and still working ? When he decides to retire at 66 will it affect his social security benefits?
10 years and got divorce got remarried and been married to second husband for 8 yrs can I receive survivor benefits on my first husband if we both are over 62?
My husband's 2nd wife passed away. I was his 1st wife and now his 3rd wife. We both get ssd. Married 4 years. Do I get spouse benefits now at age 58, or do I have to wait, or am I even qualified? My disability goes back to 1996. He has had a severe stroke, he has severe copd, dr's gave him 3 years to live just over 2 years ago. Would I be eligible to get disability under him when that happens? He makes twice what I do.
could you please answer this….. i am divorced after 20 yrs or marriage. My ex husband died at age 57 and i was 50. Neither of us remarried.- he had a lot of diabetic issues and died from that so he took his SS early. i am 66 now. i started at age 60 taking spousal retirement - but i dont know the right name- but worked at GM- i worked in an office and didnt make nearly as much what he did…. my question is DO THESE BENEFITS RUN OUT?? CAN YOU ONLY GET THEM X NUMBER OF YEARS? i dont understand what you mean by going on my own SS at age 70- do i have to??
Dr Ed has said that you don’t need your spouse/ex-spouse’s SSN because they can almost always find it as long as you have other information-date of birth, place of birth, etc..
Good info on exceptions, currently married since 2000 to my wife who gets $500 on SSI now at 73. She originally started collecting SSDI (reduced) when disabled in 2006 (age 55) because did not have full 40 credits. Because when married to her ex. for over 25 yrs. they filed as self- employed (fisherman Alaska), and all SS credits went to his account (ex. is deceased). SS office said she cannot collect on ex. SS account because she is remarried, and I am not collecting my benefits (currently 61 yrs old). She has to wait till I collect per SS office. How can she get SS credits reconciled between his account (ex.) and hers? Thanks
Please clarify in a future video, if your ex-spouse dies, and you are over 62, do you get the full amount they did? I understand that you get up to Half of what they get when they are alive, if yours is less than half. Thanks 🙏
I’m a female divorced spouse. Was married 20 years. We both are collecting SS benefits. He re-married someone else. Then they got divorced. Not sure if they were married 10 years. If he dies can I start collecting Independently Entitled Divorced Spouse benefits? Also would I receive the 100% of his benefits or is it split with his 2nd divorced wife (depending on if they were married for 10 years) How does that work anyway? Is it whatever wife contacts SS first? Thank you
Any/all wives who have not remarried are eligible for up to 100% of his benefit-there is no split. However, if you filed before your full retirement age the same penalty might apply.
My spouse died and I was57 yes old they me I didn't get sick 9 mo.after he died so I applied for disability and approved now they said I wasn't in titled to his benefits until I'm 62
I took ss.at 62 I was lucklie before I got COVID was in hospital in bad shape for a while. Found out I had type 2 diabetes in there. Came home with oxygen for. A month. It really took a toll on my health. Can I get more money since I cannot work. Also can I ever get my full benefits. I was married for 21 years. Wife left. Married again now 18 years 3 more kids 14 16 18. My wife now is in early 50. If I pass. Can she get my SS.
The only thing you could do is apply for SSDI. You'll always have a reduction in benefits since you needed to take early retirement. Hope things are getting better for you now.
Hello Sir Ed I have question about receiving ssdi and my mom live with me,the ihss pay me 18.50per hour as provider of my mom and my mom is 99 years old and they give me 124 hrs per month, do my ssdi affected.
(1) My X and I were married for 15 yrs. I took my SS at 62. If my X makes double of my SS,can I collect anything from her? (2) I’mm I have been married to another woman for 30 yrs, She is 12 yrs younger than me and is still working, can She collect on my SS? (3) I retired on my first job of 30yrs. I have been working on my current job for 24 yrs .
Hello, I’m 53. My husband was on SSDI and died 2 months ago. We have a 16 year old son who used to get Supplemental Income which was automatically switched to Survivors. Our son has Autism & I have compiled all documents since he was in Kindergarten. Can I apply him for disability? Can he get both Survivors & Disability? Is there anything that I can apply for? I am unable to work now (worked before, plan to collect mine at 67) coz our son is very low functioning & I am homeschooling him. He is enrolled in a homeschool program with included therapies. Please advise. Thank you so much. Btw, I always call SS starting early in the morning but my call gets dropped on the 2 hour mark. Then I call again and I’m back in the 268 number. I truly appreciate your advice. Thank you again.
My spouse is not 62 yet. If I apply for my SS at age 62 at the reduced amount and apply for my Ex spouses at my FRA (after he turns 62), will my Ex spouse 1/2 benefit be reduced because I applied and received my benefit early?
I’m on disability now, I turn 65 in a few weeks. It’s my understanding that I go to my retirement at age 65 automatically. Can I sign up for spouse benefits now or should I wait? Thank you for all you are doing for us!!!
Im tuning 62 may 2025 i like to file for early retirement since i just make under the earnings limit of 23,400. I have about 2-3 years to get closer full pension. If ever my income goes over it wouldn't be more than 1,500 or less. I notice the early retirement limits increase 1,080 every year so i think ill be ok. I can always wd my application in case . What are your thoughts?
I've been on benefits for five years I'm 63 years old. My ex-husband is remarried. We were married for 11 1/2 years. Do I qualify because he's remarried I never remarried.
I am drawing Social Security at my full age of retirement. My wife is 63 and working full time and earning 80+ K per year. Can she get spousal benefits?
Is my ex domestic partner in entitled to my benefits, we had two children and we were together for 12 years living in NYC, can she claim benefits under my name as an ex-wife?
New York State does not recognize common-law marriage for relationships established within its borders. This means that regardless of how long a couple lives together or whether they consider themselves married, they will not be considered legally married in New York without a marriage license and a formal ceremony. I would think she "cannot" claim spousal benefits. She would have to been legally married to you.
I'm a divorced disabled spouse. I'm on SSDI. My ex passed in 2018. We were married 15 years. I filed in 2024 for divorced spouse survivor benefits. I was just approved. My ex was also on SSDI when he passed. I received 50% . Am I entitled to 100%? His spouse passed before him. I'm the only one entitled to his benefits.
@@DebLindley-xg8gz I've been married 3 times and remarried . Since all were over 10 years if any pass I can have the survival of any that pass before me. That from a person who is a district manager like Ed. Their full survival benefit. I can't under my husband now because he hasn't filed yet, he's 10 years younger than I.
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😃☎FOR FREE MEDICARE HELP, please call my Medicare partner, Chapter Medicare, 352-841-0632
Private consultation with Dr. Ed? Schedule: calendly.com/mygovexpert/consult Get ALL your questions answered privately AND support all of our FREE CONTENT!😃☎
Want to send a big thank you to the SSA. My Ex-husband passed away during the pandemic. The local office was closed and the staff were working from home, I assume. I managed to get hold of an agent, He had me mail my documents to him, and that same week I had my first month's pay in the bank. Unbelievable!
I think you're one of those first people that got very lucky
I had the same thing happen to me. It works just fine. Thanks to you and the SSA office, which helped me through the phone. God bless you all❤
First time I've ever listened to your channel and I'm getting so educated and this is awesome and I was just lucky that you popped up on TH-cam I feel blessed
Home, exhausted from work … so glad you post your Q&A
Thank you. Glad I found you. Former Spouse 37 years Army.
Oh holy cow!!! I didnt know it was 100% I would receive from the ex. You're right he couldnt put no SS in the decree BUT he is trying hard to outlive me. He ducked out after court, left the state, judge ordered him to pay alimony, he didn't. Moved to a state that doesn't force alimony payments. So he is 77, I am 71. He has had triple bypass, has emphysema and COPD and still hanging in there. SS told me I could call every couple months to see I qualify yet, hidden message when they say no you're not eligible for any extra right now (close enough) thats the heads up he is still kicking. They also told me that I would have like back pay since I have no way of knowing except theough them. But I'm not sure how long they said back pay would be available. But Ed you have helped me considerably since I found you here and I appreciate you so much.
You can't just write in a divorce decree, no social security!
@janesantoni9773 exactly.
You don't need to wait till he's dead. You can collect 50% while he's still living. It'll automatically be 100% after he's passed. He'll never know if you are collecting. His benefit will not be touched.
Just fantastic information. Thank you so much for sharing your expertise!
Glad it was helpful!
I am so grateful for your lifes’ work 💜
Please talk about the card that is being advertised for seniors. That claim is up to $3,000. To use for food, pay bills, etc. Please tell seniors its a scam!
I Will be filing for my husband’s SSA, how does Social Security calculate your spousal benefits? I remember something about your husband has to draw double , Are the benefits anything over double is what you would get an addition? or is it I get Half of what he draws. I don’t know why they make this so confusing but it is. Also, I’m not sure how long I’ve been eligible to draw my husband’s SSA but my question is would I be able to apply for backpay? Thank you, Dr. Ed.
I started collecting SS at 62, I’m now in my 70’s. I get $802 and my husband retired at full retirement age . He gets $2291.00. Question is , if my husband should pass , what percentage of his check would I get. We were both wondering how this would work. My husband is fine! Just curious !! 😂
My understanding is that you are entitled to a spousal "top off" NOW of +/- $300 to bring yours up to half of his present benefit. Upon your husband's death you would be entitled to the equivalent of his benefit (100%).
Ed awesome work as always! Super important information on the IEDS and Survivor pieces of this complex jigsaw puzzle called retirement!
Cheers, Michael Albuquerque NM USA
PS I learned to drive in my Grandma’s 1970 Chevy Impala with the small block 8! On idle it went fast enough while I was first learning! Heheheheheh!
When I filed for my social security benefits I was 62 . Been receiving SSI instead I’ve been receiving this for 18 months now. I keep hearing you say check your earnings over and over and over. I did last night and by this woman at the SSA putting me on SSI instead of my benefit earnings I’ve been shorted over 14,000 $$. Now I’ve read that by taking them early I’m 0:23 0:23 going to be penalized for this for the rest of my life . Exceptions , exceptions, exceptions. Now what do I do ? Re file . Every single time I have called the SSA I have been MIs informed and now it has cost me $$. Not to mention it has affected every part of my life for the last 18 months. My earnings clearly show what I should be getting every month. I want answers. I believe this is what is wrong with the whole system giving out wrong information to everyone leads to all the questions you get . I can’t believe what I have read tonight. I’ve worked all my life and they gave me a state based welfare program check that doesn’t even come close . Now what???
I filed for my my benefits at 62 then when my husband file a few months later i didn't even have to file for my husbands benefits the SS office actually contacted me to ask if i wanted to file on my husbands benefits i said yes.
Turns out i only got an extra $3 or $4 dollars off of his i told the guy i would try not to spend that extra money.
🤣🤣
Dr. Weir, we love your education that we feel someone take care of us finally! I have a question, my husband had cancer 3 years ago, can we file disable benefit? Thank you!
Got my letter today. Got a small raise SSI check.
. Not much. But rent will go up , always does.
Hello Ed can you explain more about the split strategy.
Yes I think he can and knows is very well-knowledgeably well-spoken
Ss starts only once monthly
Stop
I went to an actual office and sat there for 4 hours .
Ed Isn’t the lack of a cap on earnings for Medicare proof that doing so with Social Security would make sense?!! Would love to hear your assessment of ratcheting back the age to begin Medicare in 5 year increments, so 60 in 2030, 55 in 2035 and so on, getting in premiums from younger healthier people, and hopefully preventing chronic illnesses like Diabetes or finding Cancer in earlier stages when it’s still possible to cure.
Cheers, Michael Albuquerque NM USA
I have a brain injury and do not understand what the SS office tells me... How do I get the help I need to navigate this system?
Is there anyone who would be willing to go with you or, if you're on the phone with the SSA, is there someone who could be there with you and you could put it on speaker? I don't know the laws in your State but in mine, I'm the only one who has to be aware I'm recording the conversation. You could ask the SSA for permission to do this.
Assuming that you are an adult, contact your county's Adult Protective Services and explain about your brain injury. They generally will have a booklet or list of non-profit agencies and individuals who may be able to assist and advocate for you with Social Security. As an adult person with special needs, there are likely agencies in your area who can help.
I just turned 65- I applied for medicare and was told I should apply for spouse SS benefits as I didn’t have enough work credits on my own. My husband is on early retirement due to disability.
After crunching the numbers i decided to apply for SS. During my application my interviewer commented that my husband had a workman’s comp claim. He did, but was closed in 2008. He never got financial payments only covered his medical cost for work injury. Interviewer said he could see no payments had been made in years and didn’t think it would be a problem. But it has been. My benefits were severely docked. When i found out and the reason we provided the paperwork proving claim was closed and no payments of any kind had happened since 2008.
The super visor at my local SS office resubmitted my application but now almost 6 weeks and counting i have heard nothing. I went back to SS office and was given the run around.
I don’t know if I need to wait longer- or file an appeal or what I should do now.
Thank you for your advice, this has caused a lot of stress.
A person who is divorced it will get 50 percent, if the ex passes away the first wife get the complete amount.
Any marriage lasted 10 years for an x or 9 months current at death unless accident
Any person who was married for ten or more years and NOT remarried,and has the marriage certificate and official divorce decree, can apply to collect as an independently entitled spouse. The former spouse has to make at least double the Social Security benefit as you are making, to claim on theirs. We are required to file for our own record first, and then we would receive the Difference to make our benefit Equal to Half of the Ex-Spouse’s. When the former Spouse passes away, we could collect their entire amount as a Survival benefit.
On husband’s insurance from his past employer, he is retired, they have us on A&B United healthcare advantage. Is this set in stone?
Does a collecting spouse's 100% disabled veteran status change any social security rules?
side note:
Months before medicare kicked in at 65, I got a letter from social security/medicare with a prepaid return envelope.
It was a welcome to medicare kind of letter.. confirming my address for the card and it gave me the option to decline part B, without any qualifying other insurance questions.
Im going to have to sign up for Part B when I leave, as Im moving out of state, wish I could take my job with me, but does it mattter that I already will have work health insurance until Nov. so should I sign up for 2026?
My husband is the soul breadwinner and is wanting to retire next year at age 62. I realize that we can only bring in $35,000 from SS. However, we have a rental that we get income from. What percentage will we have to pay for that additional income? Thank you :)
None it is not wages. Like a pension is not wages.
I've been receiving surval spuose benefits for about 6 years, I am going to be at FRA in about 8-10 months. Soc. Sec
told me that I will continue to be at my ex/deceased (federal government employee) level. What happens when I am at my FRA? Do I get both?
You only get the highest FRA not both
And because of that you might want to wait to let your own grow until you are 70, because each year after your full retirement age that you wait increases your benefit by 8%, so you will receive 24% more at 70, while receiving the survivor benefits in the meantime.
Investment income is not like a regular wage. Your ok .
What happens when you are already collecting social security check and you suddenly inherit, say, 1 million from a relative. It's a one time deal. Does that change what you collect from social security the following year?
No.
I really don't think so..
that doesn't counts, just they looking how much you are making if you not full RA
I am 63. My husband died at 59. I received survivors benefit at 60. My husband would be close to 70 now had he lived. Am I entitled to Delayed retirement credits? And would they begin automatically?
no
@@verasearle7570 thanx but was that no to the DRC or no to automatic or to both?
You don’t get delayed credit on his benefits (because you are taking the benefits not only on time but early, lol). However, your own benefits are growing and it’s possible that at some point-either when you are 70 or before-your benefit might overtake his; you should definitely ask SS!
@@user-bg9em7ch6k thank you. I guess I was hoping that because he never took retirement that it would magically increase at the FRA had he lived. I’m holding out for 67 to get my full benefit. But boy it’s not easy. Thanks for responding.
I am a WIB. SS is screwing me. Should I call that number on the upper left of screen? I am 59 1/4!
That # is for Medicare plans ONLY.
How can I claim on my husband's still working and paying in SS
I just read that spousal benefits for survivors , has changed if you claim your deceased spouse benefits you can no longer allow your credits to grow until you are 70 to maximize . You can no longer switch over to your benefits at 70, that was just changed, is this correct?
Please provide that source.
@@MyGovExpert I googled it, as of 2024 a long standing rule allowing individuals to switch between their own benefits to maximize their payout has officially ended for most people , except those who were 70 years old on January 1, 2024., which means most couples can no longer use the strategy where the higher earner claims spousal benefits at full retirement age and then switches to their own benefits at 70 to maximize their benefits.
Can I Not take Ex Spousal Benefits? If I do, I’ll have to pay for Part B Medicare and my rent will go up!!
For my own situation, I’m better off keeping my monthly income low.
I have PASSIVE INCOME THAT DOESN’T count towards either….
I need to keep my monthly check below $1,500.
No, you are not required to file for ex spouse benefits.
Thanks, that helps me out knowing I don’t need to file on my Ex’s Benefits. I’d actually lose benefits 😳…..
Hey Doc I appreciate all you do for us retirees and my question is I just recently retired at 62 and my wife passed away at age 42 married for 17 years do I qualify for some type of survivors benefits or not.
You should definitely talk with SS because you could have been collecting on her record since you were 60, so if you haven’t filed yet you should ask them to run the numbers on her survivor benefits vs your own benefit. I’m going to take my deceased spouse’s survivor benefits in January-when I turn 60-and wait to take my own when I turn 70 because they will grow between now and then.
@user-bg9em7ch6k thanks Doc appreciate ya.
Some math. Hopefully someone can help. If I am getting $1300 ss , and my exhusband will collect if he retires at 65 $2800, how much will my ex husband benefit be for me??? $200 ???
Half of $2,800 = $1,400, but if you filed before your full retirement age then not only is his benefit reduced (due to filing at 65 rather than 67), but your benefit will also be (further) reduced so you might not be eligible for anything from his record.
Can a person getting survival benefits get benefits on their ex if they were married for over 10 years on their first? please explain survival and divorced benefits and if a person can get both or one or the other if they get or are remarried.
What do we do if immediately after we sign in to the new login site, we get a completely blank page and don't own or have access to a phone?
They told me I had to give up my current benefits to draw any Independently entitled divorced spouse benefits.
No, you are required to take your own benefits first when receiving div. spouse benefits. Then they will add on whatever you are elig. for.
When I was 55 I went out on SS disability. When I went to SS when I was 62 asked about ex spouse benefits . They compared his benefits to mine when I was 55 and he was 54. He didn’t make 2x more than me at that time. Now being 65 him now 64 will they look at my benefits I got at 55 to his now 64 years. He probably will have 2x more at this time. I feel like I’m being punished for going out early do to health. Why won’t they compare my benefits now to his now? Please help
I currently receive half of my current husband’s social security benefits. He is alive and we are married in the same house together. I am 66 yrs old am I eligible to receive any of my former husband’s benefits? I was married to him for more than 10 yrs. He is still working and is 66 yrs old.
No.
I don't have enough work credits to qualify for Medicare. Will I be able to get it through my husband? And if so, what if he dies first?
My husband applied for his ss ad they gave him less than quoted , he ask why and they said he gets pension from the government, which he does not . He gets pension from another union , not government at all , he has sent all the info necessary but still have been waiting for 5 months for his readjusted amount . Also , he gets less that what was quoted to hom , years ago. not sure what that is about .
Do you have a print out of commonly asked questions?? Thanks👍
Is there a way to verify in writing spousal benefits besides just calling SS "customer service " and trusting relying on verbal information?
Scenario married and divorced twice, and both marriages were over 10 years. Can I take spousal benefit from either one or just the last?
Either one!
I'm a civil service annuitant, My ex-wife worked for the state of Illinois and retired on disability. We were married from 1972-2008. She died in 2016. Is it possible for me to receive deceased spousal benefits from SSA? I am currently 76.
If I continue working and my husband retires (full), and we file a joint tax return, what will happen tax wise or Social Security wise?
Ill never understand any of it. I became disabled July of 2021 at age 56 and qualified for SSDI. My late husband passed of a heart attack age 59 Jan 2021. We made similar lifetime amounts, both Vets but 1 term. I was told my income would not increase until he would have been 67 and it will be $20? Sounds like a slap, he'd be horrified. If he knew his lifetime of work was absorbed it would break his heart
I understand. My step daughter arranged for her mother(whom she hates) to go to a retirement home in Canada and told me her mother was able to keep her Canadian gov't pension as well as ex wife benefit from my husband. I had to give up my Soc. Sec. to receive widow benefit from my husband. Now I hope I can receive a bit of his Canadian Gov't pension. I think its called CPP.
@Cerceify4645 I wish you the best...its worth fighting for.
Do you need to make an appointment at a social security office now, or after Jan 1 2025?
Are different types of social security benefits (retirement, disability, etc) taxed differently? eg: 50% or 85% of the benefit?
It depends on whether you have earned income and your filing status.
The tax on social security is based on your adjusted gross income. If you’re single and your AGI is under $25k it’s not taxed. If your AGI is between 25k and $34k up to 50% of your SS benefits can be subject to tax, and if your AGI is above $34k up to 85% of your income can be subject to tax.
I have been receiving my deceased husbands benefits, he passed away in 2012, I am receiving his benefits, can I get both benefits or do I have to wait I am going to be 65 and have also have worked for years, I am presently not working and going to turn 65 in 2025.
I began collecting my SS retirement benefits at 62 and after my divorce. I'm now 70 and continue to collect only my SS retirement benefits. I was married to my ex for 18 years. He had been collecting his SS retirements benefits (a higher amount than mine) before we divorced. He passed away a few years after the divorce. Would I be eligible to collect any portion of his benefits a) at all, or b) in addition to mine, or c) instead of mine?
P.S. I just discovered your channel and liked/subscribed. You are amazing! Thank you for doing this❣️
@@MicheleEngel I think you would collect 100 percent. You were married more than 10 years, collected on your own SS benefits for a few years and now that he's passed, you'd get a widow's portion, even if he married after your divorce. Get your marriage certificate, his death certificate (which you can get online at the county records dept.) Call your local social security office, make an appointment, and bring them along. You'll also need to know his social security number.
@@ElaineAntcliffe ! Thank you for the prompt and encouraging response🥰. That was going to be my next question: what documents do I need to have. I have all that. Just wish I'd known about this sooner; he died a few years ago, and I had no idea I might be eligible for widow's benefits. Well, better late than never .... This is very good news!
@@MicheleEngel I forgot to mention you'll also need your divorce decree.
@@ElaineAntcliffe Yes, I figured that. I have copies of all of those--not sure they're the official county records, though, so I'll request them. I have it on my calendar to call SS to make an appointment on Monday. Do you happen to know if any of the funds, should they decide that I do qualify, would be effective retroactively? He passed away about four years ago.
@@MicheleEngel That would be a good question to ask them, but I don't think it will be retroactive. I don't know for sure tho
If you were divorced, but due to not working while raising kids, I had to collect surviving spouse benefits when my ex husband died. If I can get a job and stop benefits will I get more of his benefits if I wait till age 67 to collect again? Or will the amount I receive be the same as it is now?
I called social security to get info on collecting my own benefits vs what I get my deceased husband benefits .. to see if I can later get a built up amount of money from mine, and she didn't know anything about it. I get the impression many of who you talk to at ss have no education on the subject and mislead you and don't care. Shocking
So if you're currently married, you cannot collect on a former spouse whether they are alive or not, correct? What if I get divorced from my current spouse, then can I collect on any former spouse? In any case, it has to be at least 2x my amount, correct? Thanks for clarifying.
I had a deceased spouse with disability benefit. We married more than 20 yrs. He passed away @ age 56 this year, I’m 54. At what age I can apply for survival spouse benefit? What form I need to use? I’m waiting for your reply.
Thank you
As an Expat can my non US spouse that's no where in "the system" receive my benefits?
I'm 14 months off from full retirement age should I just go ahead and get spousal now?
I filed in 2011 at age 62. I told SS rep I wanted to file on ex-husband's record and suspend my benefits until I reached either FRA or age 70. He said there was no such thing as suspending mine. Ive since been told he was wrong. If so, now at age 75, do I have any recourse to go back and get any money i lost by not switching from his to mine when i turned 70? Thank you so very much for all your help!
You were not told wrong. You seem to be confusing survivor benefits w/ div. spouse benefits. They have different rules. When receiving div. spousal benefits SS requires you to take your own benefits first. You CANNOT suspend your benefits to take you ex spouse's benefits. Whoever told you otherwise was wrong.
@penelope5500 I was told that what you are describing became effective in 2016, but that when I filed in 2011, I could have suspended my benefits to let them accrue. I'm pretty sure Ed often mentions the 2016 change in his videos.
@@lk-ol2jt Ah, that is the old "file & suspend" strategy. From what I remember it was the currently married man (usually the man) who filed, then immediately suspended leaving his spouse open to spousal benefits. Whether that also applied to a divorced spouse I do not know.
I will be 62 next month i receive ssdi can i receive spouse benefit on my husband who is 63 and still working ? When he decides to retire at 66 will it affect his social security benefits?
10 years and got divorce got remarried and been married to second husband for 8 yrs can I receive survivor benefits on my first husband if we both are over 62?
Not if you’re still married to spouse number two.
If I want to claim survivor benefits from my divorced spouse, do I need to wait to claim my benefits at full retirement age (67)?
My husband's 2nd wife passed away. I was his 1st wife and now his 3rd wife. We both get ssd. Married 4 years. Do I get spouse benefits now at age 58, or do I have to wait, or am I even qualified? My disability goes back to 1996. He has had a severe stroke, he has severe copd, dr's gave him 3 years to live just over 2 years ago. Would I be eligible to get disability under him when that happens? He makes twice what I do.
could you please answer this…..
i am divorced after 20 yrs or marriage.
My ex husband died at age 57 and i was 50. Neither of us remarried.- he had a lot of diabetic issues and died from that so he took his SS early.
i am 66 now. i started at age 60 taking spousal retirement - but i dont know the right name- but worked at GM- i worked in an office and didnt make nearly as much what he did….
my question is DO THESE BENEFITS RUN OUT?? CAN YOU ONLY GET THEM X NUMBER OF YEARS?
i dont understand what you mean by going on my own SS at age 70- do i have to??
When making appointment on the phone for survivor benefits, do you need to give both your spouses and your ss#
Dr Ed has said that you don’t need your spouse/ex-spouse’s SSN because they can almost always find it as long as you have other information-date of birth, place of birth, etc..
Good info on exceptions, currently married since 2000 to my wife who gets $500 on SSI now at 73. She originally started collecting SSDI (reduced) when disabled in 2006 (age 55) because did not have full 40 credits. Because when married to her ex. for over 25 yrs. they filed as self- employed (fisherman Alaska), and all SS credits went to his account (ex. is deceased). SS office said she cannot collect on ex. SS account because she is remarried, and I am not collecting my benefits (currently 61 yrs old). She has to wait till I collect per SS office. How can she get SS credits reconciled between his account (ex.) and hers? Thanks
Please clarify in a future video, if your ex-spouse dies, and you are over 62, do you get the full amount they did?
I understand that you get up to Half of what they get when they are alive, if yours is less than half.
Thanks 🙏
I started getting my SS at 62, I’m 68 now my husband is getting his SS he is 73. We are still married. Can I get spouse benefits?
I’m a female divorced spouse. Was married 20 years. We both are collecting SS benefits. He re-married someone else. Then they got divorced. Not sure if they were married 10 years. If he dies can I start collecting Independently Entitled Divorced Spouse benefits? Also would I receive the 100% of his benefits or is it split with his 2nd divorced wife (depending on if they were married for 10 years) How does that work anyway? Is it whatever wife contacts SS first? Thank you
Any/all wives who have not remarried are eligible for up to 100% of his benefit-there is no split. However, if you filed before your full retirement age the same penalty might apply.
My spouse died and I was57 yes old they me I didn't get sick 9 mo.after he died so I applied for disability and approved now they said I wasn't in titled to his benefits until I'm 62
Something didn't sound right ,can I get survival benefits now I'm 60 and on disability
I was married for 9mo,2 weeks
What days you LIVE?
I'm on ssa I'm 57 years old when l can get spouse my wife 57 years old we married for 27 years
I took ss.at 62 I was lucklie before I got COVID was in hospital in bad shape for a while. Found out I had type 2 diabetes in there. Came home with oxygen for. A month. It really took a toll on my health. Can I get more money since I cannot work. Also can I ever get my full benefits. I was married for 21 years. Wife left. Married again now 18 years 3 more kids 14 16 18. My wife now is in early 50. If I pass. Can she get my SS.
The only thing you could do is apply for SSDI. You'll always have a reduction in benefits since you needed to take early retirement. Hope things are getting better for you now.
Hello Sir Ed I have question about receiving ssdi and my mom live with me,the ihss pay me 18.50per hour as provider of my mom and my mom is 99 years old and they give me 124 hrs per month, do my ssdi affected.
(1) My X and I were married for 15 yrs. I took my SS at 62. If my X makes double of my SS,can I collect anything from her? (2) I’mm I have been married to another woman for 30 yrs, She is 12 yrs younger than me and is still working, can She collect on my SS? (3) I retired on my first job of 30yrs. I have been working on my current job for 24 yrs .
Hello, I’m 53. My husband was on SSDI and died 2 months ago. We have a 16 year old son who used to get Supplemental Income which was automatically switched to Survivors. Our son has Autism & I have compiled all documents since he was in Kindergarten. Can I apply him for disability? Can he get both Survivors & Disability? Is there anything that I can apply for? I am unable to work now (worked before, plan to collect mine at 67) coz our son is very low functioning & I am homeschooling him. He is enrolled in a homeschool program with included therapies. Please advise. Thank you so much. Btw, I always call SS starting early in the morning but my call gets dropped on the 2 hour mark. Then I call again and I’m back in the 268 number. I truly appreciate your advice. Thank you again.
My spouse is not 62 yet. If I apply for my SS at age 62 at the reduced amount and apply for my Ex spouses at my FRA (after he turns 62), will my Ex spouse 1/2 benefit be reduced because I applied and received my benefit early?
I’m on disability now, I turn 65 in a few weeks. It’s my understanding that I go to my retirement at age 65 automatically. Can I sign up for spouse benefits now or should I wait? Thank you for all you are doing for us!!!
Im tuning 62 may 2025 i like to file for early retirement since i just make under the earnings limit of 23,400. I have about 2-3 years to get closer full pension. If ever my income goes over it wouldn't be more than 1,500 or less. I notice the early retirement limits increase 1,080 every year so i think ill be ok. I can always wd my application in case . What are your thoughts?
What about if I have windfall from working as a teacher? And my spouse is deceased? Can I still get his SS 100%?
I am 66 and my husband it filing in Feb I'm already on SS
Stay in your lane you say?
You worked at social security but you’re doing a Q&A on Medicare??
Yes, SSA deals with Medicare too.
I've been on benefits for five years I'm 63 years old. My ex-husband is remarried. We were married for 11 1/2 years. Do I qualify because he's remarried I never remarried.
I am drawing Social Security at my full age of retirement. My wife is 63 and working full time and earning 80+ K per year. Can she get spousal benefits?
She makes $60,000.00 too much a year and that's a lot of penalty. Does she really want to retire or are you just inquiring?
Is my ex domestic partner in entitled to my benefits, we had two children and we were together for 12 years living in NYC, can she claim benefits under my name as an ex-wife?
Doubt it. Guess she could try.
New York State does not recognize common-law marriage for relationships established within its borders. This means that regardless of how long a couple lives together or whether they consider themselves married, they will not be considered legally married in New York without a marriage license and a formal ceremony. I would think she "cannot" claim spousal benefits. She would have to been legally married to you.
I am divorced for 7 my ex was married for two years and her husband died.I wonder if she still can blame on my SSecurity?? Thanks
I'm a divorced disabled spouse. I'm on SSDI. My ex passed in 2018. We were married 15 years. I filed in 2024 for divorced spouse survivor benefits. I was just approved. My ex was also on SSDI when he passed. I received 50% . Am I entitled to 100%? His spouse passed before him. I'm the only one entitled to his benefits.
No, since you're an ex, you can only receive up to 50% survivor benefits.
@@DebLindley-xg8gz I've been married 3 times and remarried . Since all were over 10 years if any pass I can have the survival of any that pass before me. That from a person who is a district manager like Ed. Their full survival benefit. I can't under my husband now because he hasn't filed yet, he's 10 years younger than I.
@@donnabissell15 Did you get remarried at age 60 or after?
With survivor benefits how could someone get benefits if there in there 40's no kids not disabled just in a horrible financial pinch?
Cannot get benefits in their 40's.
BiWhat ver it is I know Biden did it!B
2055-Paramount
What planet are you on social security is a goner elon musk the richest man in the world is going to dismantle that program