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Hi Medicare School, question please Sir = In An Over 10 Year Marriage -- yet 1 spouse filed for divorce (in the middle of that same marriage) but both spouses didn't go thru with that filed divorce/the divorce paperwork was completely 'pulled' after a couple of months & then that same marriage resumed Yet years later both those same spouses/that same couple filed for a new divorce and this time the divorce went thru/was finalized, thus regarding Social Security Spousal Benefits, would those same spouses/that former married couple still qualify to draw on each other's Social Security at 'the qualified' Social Security retirement ages? We were made to understand "Yes", but We wanted to double-check with You also : Thank You In Advance Medicare School
Thank you. I'm about a month away from being full retirement age, divorced, married 25 years, haven't remarried, I hit all the "yes"es. You've answered all of my questions. I think the best thing for me to do is wait until 70, if I can stay happily employed, which it's looking like I can. My mom comes from a line of generations of people living past 100; she lived to 96.
@SusanBame, For Divorced Spousal Social Security Benefits, DO NOT WAIT UNTIL AGE 70. I will explain why. My ex-wife and I get along very well. Due to my higher-income medical career and my ex-wife’s decision to leave Nursing and become a stay-at-home Mom after the kids were born, I had told her years ago that she could get an amount equal to HALF of my Social Security benefits, which would be greater than 100% of her OWN Social Security benefits (Question 7 on this video). This past week, I realized that my ex-wife had just reached her Full Retirement Age of 66 and 6 months for her 1957 birth year and asked her if she had applied for her Divorced Spousal Benefits. I was shocked to hear that her financial adviser had given her the terrible advice to “Wait until 70 to increase your Social Security benefit”. I am also surprised that the author of the channel gave a “Like” for your proposed plan to “Wait until 70”. The plan to “Wait until 70” ONLY makes sense if you are going to take YOUR OWN benefits, as those benefits will increase from a percentage of 100% at Full Retirement Age to a percentage of 124% at age 70. However, the SPOUSAL BENEFITS (whether divorced or still married) MAX OUT AT A 50% PERCENTAGE AT YOUR FULL RETIREMENT AGE. Other than the Cost of Living increases which you will get anyway, the Divorced Spousal Benefits percentage you will get at Full Retirement Age will NOT increase by waiting to collect at age 67, or age 68, or age 69, or at age 70. The percentage of the Divorced Spousal Benefit that you will receive at age 70 WILL STAY EXACTLY THE SAME , AT FIFTY PERCENT, which is what you would get RIGHT NOW, at your Full Retirement Age. As I explained to my ex-wife last night, whatever Divorced Spousal Benefit she does not take between her present Full Retirement Age and when he turns 70 will be money that is “left on the table” and will NEVER be recovered by a future increase in the percentage that she will collect. To double check her OWN benefit amounts, we went to her “My Social Security” webpage account and checked the amount her OWN benefits would be RIGHT NOW (at Full Retirement Age) and the amount it would be if she waited to get her OWN benefits at age 70. BOTH of those amounts were hundreds of dollars less than she would get, RIGHT NOW, by getting the Divorced Spousal Benefit (half of my current Social Security benefits.) If she had followed the terrible advice to “Wait until age 70” to apply for Divorced Spousal Benefits, my ex-wife would have lost $1,629 per month (half of my current benefits), for the next three and a half years, which would be $68,418 that would be lost forever, as there would be NO INCREASE in the percentage of Divorced Spousal Benefits to be gained by “Waiting until 70”. You can still work and get your Divorced Spousal Benefit, although there may be a reduction. Now that you have reached your Full Retirement Age, whatever Social Security benefits you get will be reduced by $1 in benefits for every $3 you earn ABOVE the tax year 2024 earnings limit of $59,520.
@@MedicareSchool Hi Medicare School, question please Sir = In An Over 10 Year Marriage -- yet 1 spouse filed for divorce (in the middle of that same marriage) but both spouses didn't go thru with that filed divorce/the divorce paperwork was completely 'pulled' after a couple of months & then that same marriage resumed Yet years later both those same spouses/that same couple filed for a new divorce and this time the divorce went thru/was finalized, thus regarding Social Security Spousal Benefits, would those same spouses/that former married couple still qualify to draw on each other's Social Security at 'the qualified' Social Security retirement ages? We were made to understand "Yes", but We wanted to double-check with You also : Thank You In Advance Medicare School
What happens if you collect 50% of a living ex spouse's Social security And then A couple of years into it he passes away. Can you Change it and go to 100% of his social security after He's deceased?
@@MedicareSchool Hi Medicare School, question please Sir = In An Over 10 Year Marriage -- yet 1 spouse filed for divorce (in the middle of that same marriage) but both spouses didn't go thru with that filed divorce/the divorce paperwork was completely 'pulled' after a couple of months & then that same marriage resumed Yet years later both those same spouses/that same couple filed for a new divorce and this time the divorce went thru/was finalized, thus regarding Social Security Spousal Benefits, would those same spouses/that former married couple still qualify to draw on each other's Social Security at 'the qualified' Social Security retirement ages? We were made to understand "Yes", but We wanted to double-check with You also : Thank You In Advance Medicare School
What about this situation? I'm 67 years old and started drawing my SS at 65. My ex wife is 10 years younger than me, we were married for 15 years and (1990) to (2005) divorced. I haven't remarried and she hasn't remarried. When she starts drawing her SS at 62 or older can my SS be readjusted because she definitely has made more money than me through our lifetime. I meet all the criteria that you are stating but I think I know the answer and it's not good for me. Really enjoy your podcast. I did sign up for the G plan with Medicare and In a D plan also so I have made some good decisions at 65 years old. Thanks
This doesn't answer the question ... But found it interesting that your year of marriage re 1990, and, the year you got divorced re 2005 --- were the exact same years as mine! 😉
Let's say you remarried but are now going thru a divorce from second wife. Is there a waiting period after current divorce before you can apply for benefits off of first wife?
Question Please: My Ex after 12 years was able to take 1/3 of my City Benefit of 1,500. From what your saying when she turns 62 I can apply on her SSN?
I tried to claim ex spousal benefits when i became disabled. I was declined, social security said i was 14 weeks shy of 10 years marriage. I was never informed of 10 year marriage rule by my divorce attorney. Do i have any recourse in this matter?
@@sammencia7945 I did work just like the rest of us!!!!! ... Until I became disabled due to my ex husband assaulting me, and creating my disability...!!! You are just a mean person !!!
the social security based on the larger income earner doesn't make them "get less" because their ex spouse receives social security based on their earning record. this is meant to provide for the spouse who was in the marriage long term and either made less than or was designated as the homemaker. It actually benefits the ex-spouse income earner to not have to pay as much in spousal support at retirement age because that social security income can now be factored in.
✅ Watch the Internet's #1 Online Medicare Educational Workshop for FREE: get.medicareschool.com/45OFCY
✅ To get 1 on 1 Help from our Team, Schedule a Call Here: get.medicareschool.com/48gWYin
Hi Medicare School, question please Sir = In An Over 10 Year Marriage -- yet 1 spouse filed for divorce (in the middle of that same marriage) but both spouses didn't go thru with that filed divorce/the divorce paperwork was completely 'pulled' after a couple of months & then that same marriage resumed Yet years later both those same spouses/that same couple filed for a new divorce and this time the divorce went thru/was finalized, thus regarding Social Security Spousal Benefits, would those same spouses/that former married couple still qualify to draw on each other's Social Security at 'the qualified' Social Security retirement ages? We were made to understand "Yes", but We wanted to double-check with You also : Thank You In Advance Medicare School
Thank you. I'm about a month away from being full retirement age, divorced, married 25 years, haven't remarried, I hit all the "yes"es. You've answered all of my questions. I think the best thing for me to do is wait until 70, if I can stay happily employed, which it's looking like I can. My mom comes from a line of generations of people living past 100; she lived to 96.
@SusanBame, For Divorced Spousal Social Security Benefits, DO NOT WAIT UNTIL AGE 70. I will explain why.
My ex-wife and I get along very well. Due to my higher-income medical career and my ex-wife’s decision to leave Nursing and become a stay-at-home Mom after the kids were born, I had told her years ago that she could get an amount equal to HALF of my Social Security benefits, which would be greater than 100% of her OWN Social Security benefits (Question 7 on this video). This past week, I realized that my ex-wife had just reached her Full Retirement Age of 66 and 6 months for her 1957 birth year and asked her if she had applied for her Divorced Spousal Benefits. I was shocked to hear that her financial adviser had given her the terrible advice to “Wait until 70 to increase your Social Security benefit”. I am also surprised that the author of the channel gave a “Like” for your proposed plan to “Wait until 70”. The plan to “Wait until 70” ONLY makes sense if you are going to take YOUR OWN benefits, as those benefits will increase from a percentage of 100% at Full Retirement Age to a percentage of 124% at age 70. However, the SPOUSAL BENEFITS (whether divorced or still married) MAX OUT AT A 50% PERCENTAGE AT YOUR FULL RETIREMENT AGE. Other than the Cost of Living increases which you will get anyway, the Divorced Spousal Benefits percentage you will get at Full Retirement Age will NOT increase by waiting to collect at age 67, or age 68, or age 69, or at age 70. The percentage of the Divorced Spousal Benefit that you will receive at age 70 WILL STAY EXACTLY THE SAME , AT FIFTY PERCENT, which is what you would get RIGHT NOW, at your Full Retirement Age. As I explained to my ex-wife last night, whatever Divorced Spousal Benefit she does not take between her present Full Retirement Age and when he turns 70 will be money that is “left on the table” and will NEVER be recovered by a future increase in the percentage that she will collect.
To double check her OWN benefit amounts, we went to her “My Social Security” webpage account and checked the amount her OWN benefits would be RIGHT NOW (at Full Retirement Age) and the amount it would be if she waited to get her OWN benefits at age 70. BOTH of those amounts were hundreds of dollars less than she would get, RIGHT NOW, by getting the Divorced Spousal Benefit (half of my current Social Security benefits.)
If she had followed the terrible advice to “Wait until age 70” to apply for Divorced Spousal Benefits, my ex-wife would have lost $1,629 per month (half of my current benefits), for the next three and a half years, which would be $68,418 that would be lost forever, as there would be NO INCREASE in the percentage of Divorced Spousal Benefits to be gained by “Waiting until 70”.
You can still work and get your Divorced Spousal Benefit, although there may be a reduction. Now that you have reached your Full Retirement Age, whatever Social Security benefits you get will be reduced by $1 in benefits for every $3 you earn ABOVE the tax year 2024 earnings limit of $59,520.
Great vid, dude. Thanx.
Glad it helped
No wonder the system is in trouble.
Our benefits are being given to the illegals! Plus, the government stole our money also!!!
Thank you!!!!! I appreciate how responsive you are. Blesx you!
You are so welcome
@@MedicareSchool Hi Medicare School, question please Sir = In An Over 10 Year Marriage -- yet 1 spouse filed for divorce (in the middle of that same marriage) but both spouses didn't go thru with that filed divorce/the divorce paperwork was completely 'pulled' after a couple of months & then that same marriage resumed Yet years later both those same spouses/that same couple filed for a new divorce and this time the divorce went thru/was finalized, thus regarding Social Security Spousal Benefits, would those same spouses/that former married couple still qualify to draw on each other's Social Security at 'the qualified' Social Security retirement ages? We were made to understand "Yes", but We wanted to double-check with You also : Thank You In Advance Medicare School
FYI, At 1:19, you asked if the remarriage occurred after turning age 65, while the board said age 60.
obviously he misspoke, that one time, but he was consistent in showing 60.
What happens if you collect 50% of a living ex spouse's Social security And then A couple of years into it he passes away. Can you Change it and go to 100% of his social security after He's deceased?
Reach out to yur local Social Security Administration to assist
Thanks for teaching us about this!
Our pleasure, glad we can help!
Thank you! This was extremely helpful!
Glad it was helpful!
@@MedicareSchool Hi Medicare School, question please Sir = In An Over 10 Year Marriage -- yet 1 spouse filed for divorce (in the middle of that same marriage) but both spouses didn't go thru with that filed divorce/the divorce paperwork was completely 'pulled' after a couple of months & then that same marriage resumed Yet years later both those same spouses/that same couple filed for a new divorce and this time the divorce went thru/was finalized, thus regarding Social Security Spousal Benefits, would those same spouses/that former married couple still qualify to draw on each other's Social Security at 'the qualified' Social Security retirement ages? We were made to understand "Yes", but We wanted to double-check with You also : Thank You In Advance Medicare School
Question. I qualify in all areas but my question is he is not 62 but collects social security disability. Is that the same as social security?
What about this situation? I'm 67 years old and started drawing my SS at 65. My ex wife is 10 years younger than me, we were married for 15 years and (1990) to (2005) divorced. I haven't remarried and she hasn't remarried. When she starts drawing her SS at 62 or older can my SS be readjusted because she definitely has made more money than me through our lifetime. I meet all the criteria that you are stating but I think I know the answer and it's not good for me. Really enjoy your podcast. I did sign up for the G plan with Medicare and In a D plan also so I have made some good decisions at 65 years old. Thanks
Thank you for sharing your wisdom!
This doesn't answer the question ... But found it interesting that your year of marriage re 1990, and, the year you got divorced re 2005 --- were the exact same years as mine! 😉
EXCELLENT INFORMATION.
Glad it was helpful!
How much does the ex spouse get if the main earner is on SSDI? Do they get 50% of the SSDI amount or 50% of your lesser SS amount?
Reach out to yur local Social Security Administration to assist
Let's say you remarried but are now going thru a divorce from second wife. Is there a waiting period after current divorce before you can apply for benefits off of first wife?
www.ssa.gov/benefits/retirement/planner/applying7.html
Question Please: My Ex after 12 years was able to take 1/3 of my City Benefit of 1,500. From what your saying when she turns 62 I can apply on her SSN?
Up to 50% of her benefit has to be greater than your full benefit.
If both ex-spouse are getting Social Security, does that mean the ex-spouse is still entitled to spousal benefits?
Reach out to yur local Social Security Administration to assist
What happens if your spouce is ssdi at 59 vs 60 vs 62 is it still greater or only 50%.
I would reach out to yur local Social Security Administration to assist
If divorced twice, can exwife draw from husband #1 (if married to husband #2 less than 10 years) and not 60?
Reach out to yur local Social Security Administration to assist
👍
If i took SS from my ex it would be lesser than me taking my own .
Yes, but you can continue to let yours grow at 8% a year and the at age 70, move to your own SS.
I tried to claim ex spousal benefits when i became disabled. I was declined, social security said i was 14 weeks shy of 10 years marriage. I was never informed of 10 year marriage rule by my divorce attorney. Do i have any recourse in this matter?
Get a job and work like the rest of us.
@@sammencia7945
I did work just like the rest of us!!!!! ...
Until I became disabled due to my ex husband assaulting me, and creating my disability...!!!
You are just a mean person !!!
Ask an attorney, but they don't like suing each other.
@sammencia best advice I heard !
Social Security is the source for this information...
I'm already collecting from my ex's SS. When he dies will I receive a higher benefit automatically?
Reach out to yur local Social Security Administration to assist
Curious- can a wife and an ex-wife both draw from the same man’s SS? And if so, does this affect the wife’s amount?
yes.
Yes and it doesn't effect anything.
th-cam.com/users/shortsl1UJvT6Plfw?si=SAlJeWLi7zhpk3dS
Earn your own SS. .. this stuff makes me hate this nation.
the social security based on the larger income earner doesn't make them "get less" because their ex spouse receives social security based on their earning record. this is meant to provide for the spouse who was in the marriage long term and either made less than or was designated as the homemaker. It actually benefits the ex-spouse income earner to not have to pay as much in spousal support at retirement age because that social security income can now be factored in.
Does the spouse you're drawing off of lose 50% of their benefits?
No
@@HTub-bo2yl Thanks
No
10:36 in the video addresses your question
no, but I wonder if they're affected by how soon their ex begins to draw on them...