Social Security Spousal Benefits Explained by Former SSA Manager; PART 1
ฝัง
- เผยแพร่เมื่อ 7 ก.พ. 2025
- Dr. Ed makes understanding Social Security Spousal Benefits EASY. How to qualify for spousal benefits for both married and divorced spouses and ex-spouses. Payment for spouses with, 1) no work history, 2) some work history, and 3) a lot of work history. Dr. Ed also covers the Social Security Length of Marriage rules (and importantly their exceptions).
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😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of TH-cam videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they need!
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⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. However, the Social Security Administration is the final decision maker when it comes to your benefits.
#socialsecurity #medicare #seniorcitizens#seniorcitizens
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Hello,
I have question. I was married for 20 yrs 1st marriage, got divorced age 39, got remarried 1 yr later, at age 40. Been married 22 yrs currently...I applied for early SS I'm 62 now. SS tells me I can't claim first spouse for benefits? Is this true?? Please let me know.
Thanks Mary
Hello, thanks for watching and commenting! Please join one of my upcoming TH-cam or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed
Can I draw on spouses SS . He has been CB deceased 15 yrs. I draw 400.00 before insurance taken out. I am widow and 80 yrs old
Thank goodness for Dr. Weir, and his work history with the SS department. Thank you.
Thank you! Gonna keep sharing info as long as I'm able! Have a great weekend, Ed
The real educators do not profit from their knowledge. Thank you sir for being amazing!
Thank you! Have an awesome week, Ed
👍👍👏👏
This is education not entertainment!
If viewer gets bored, then they should come back when their serious.
Lol! Tons of cat videos out there!
People shouldn't complain about how long your videos are. It is true that ss has too many acronyms but hey, that's not Ed fault. Let's appreciated what he does. English is my 2nd language. I appreciate he's taking time to help us. Keep up the good work!!!!
Thank you! I really do appreciate it!
@@MyGovExpert👍
Thank you Dr. Weir!
You're very welcome!
You are doing the right thing and if the people think your video is too long then they don’t need to watch
Please try to listen closely to understand your problem and you will be better
I found you by “accident” at 4 am when I couldn’t sleep. I’ve been so scared since I’m 64 , 65 in October. Just set up a call with you for June 11 at 4. PST. I’m so glad.
Perfect! Talk to you then!
I found out about spousal benefits! I never knew this was a thing. I’m so grateful for this information! Thank you so much! 😊
Why are other so called experts telling us that the 10 years rule is “ten consecutive years” to be married to ex-spouse? They are giving incorrect information, Apparently they have not done their homework. You are my go to now for all things retirement. Thank you sir.
Yeah, that's exactly right. They just don't have the experience. Social Security policy is over twenty thousand pages
So it doesn't have to be consecutively?
THANK YOU SIR FOR ALL THE HELP YOU GIVE,GOD BLESSINGS TO YOU AND YOURS ❤
Amen 😊❤!
Thank you for sharing your experience and knowledge ❤
I appreciate running across your videos. I'm not to retirement yet, but soon enough, and I'm glad to be able to learn through this source. Thank you for your time and very much needed knowledge. I will be sure and share your channel with anyone that may need this!
Number 4 at 16:55 says "...brings their benefits up to 50% if they wait after their full retirement age...". But many other youtubers explain your example #4 differently : since the lower earner starting receiving benefits on her own record at 62, as you said in the #4 example, she will never be able to bring her benefits up to the full 50% of the higher earning spouse' PIA, even if she waits until her own FRA (67?) to file for spousal benefits.
Thanks!
As a CSRS, I retired after 30 years (1977-2007) of service. I later worked for the state and contribute and earned more quarters from 2011 to 2019 totaling over 40 quarters. I was married and my former husband died after 5 years. At 65 years, I applied for Medicare and was told I could only qualify for WPO at a reduced rate. I remarried in 2018. Under the Fairness Act, will I be able to get my own retirement check? Do I have to file for it? What happens to WPO check?
Thank you so much. I had no idea about the DRC and survivor benefits.
Good info. I live abroad and cannot even open a MySSA account. I'm 60.5 years old, so not pressing yet. Visiting the US in 3 weeks and plan to walk-in visit to SSA office with a list of questions.
Would you have knowledge about the affects of potential spousal filing by someone historically affected by WEP and GPO? Trying to understand if filing before the details of the WEP and GPO eliminations are worked out would have an adverse affect on the original benefits claim.
Correct. It's based on her age, not your age.
Im on ssdi turning automatically into retirement next year. Hiw do i file for spousal and to see if half his is more?
I love your videos- it addresses a lot of questions. The length of time is appropriate for the content
Thank you, I really do appreciate you taking the time to write that.
I've called several departments. They said I have made more money than my x spouse, and that I am already receiving what I should get. I qualified under all the requirements. Still they said no. In my divorce I specifically made him put that I would receive all or any funds from his estate as ss. Retirement of any kind. Nope just a iou 42K.
Drilling down on the rule (not putting words in Dr. Weir's mouth), the lower earning spouse that is filing for their spousal auxiliary benefit (or top-up), must have reached "their own" Full Retireemnt Age (FRA), in order to qualify and receive a full 50% of the higher earning spouse' Social Security benefit.
Thankyou so much for what your doing So greatful.I called to find out that at 70 intital to my full SS after being in survivor benefits for 8 years.70 in about a 1 1/2 yrs.So greatful.!!!❤
That's awesome to hear. More money is always a beautiful thing!
Thank you for your time & sharing your knowledge! Greatly appreciated.
I like your long videos. I listen to them while I'm in my long walks!
WOW!! Thank you! A lot more to come...100s of miles!
Your amazing. Thank you for helping people
You are so welcome
My wife has been married and still is married to me for 8 years. She is now 70 years old and I’m 74 years old retired and has been collecting SS since I was 62.
Now, here is where it becomes a little cloudy. My wife is a Naturalized Citizen, never worked in our country. She is getting SS based on my work history.
If I should die, would she be eligible under SS GUIDELINES to receive additional monies between what she is currently receiving and my current monthly amount benefit ?
Thank you Dr. Weir
A lot of details and variables there. Please join one of my LIVE Q&A sessions. Thursdays at 4pm PST
Thank you the educational information provided by such a good man
Thank you so much. Thank you for taking the time to write me such a nice note.
I agree!❤😊
20:41 Where is the link to the mentioned calculator?
Thanks so much for your videos, you're so appreciate, God bless you Sir!
Would social security acknowledge ritual marriage certificate that never made it to court , lived with the spouse since 2019
will ex-spouses drawing from ex that recieves federalpensionand soc sec be affected.I do notrecievefrom his pension plan
Hello dr weir Hello Dr. Weir..I just have a question. My husband died here in the Philippines. Can I get any benefits because the FBU Manila called me and I am not eligible for benefits. My deceased husband needs to go to the US first and I need to cite them.
If filed for disability while married but later divorced can I file for any benefits from him
Thank you for this information; it has provided hope.
I was married 32 years. I've been divorced going on 14 years. My ex is 68 and is eligible for SSA. He recently left and moved to Thailand with his 3rd wife in Nov and will come for 3 mos in late spring to visit. Can I get benefits from him. I became disabled at the age of 45 so he worked his entire life.
Is there a button click on the ss site for spousal benefit? Or is that under “Family”? Or do you need to fill out a form? I can’t find it on the site and don’t want to apply incorrectly … Please direct me as to the actual process.
Very informative. Thank you.
Thank you! Wonderful information!
You are so welcome!
I am turning 62 this year , my ex turns 65
Do I have collect both at the time of claim
Social Security prefers online or phone calls over in person appointments these days.
I agree. But they can't deny you an in office appointment if you demand one.
Can you please please educate people about especially women who married to divorced man? Since his ex can take up to 50% of his SSI then what’s left to him isn’t much. Also does it affect our own joint tax filing ?
He can have 6+ wives. It doesn’t matter. If they’ve all been married to him for a decade, they can all receive 50% of his benefits amount.
Is there anything else such as Pension or any investment an ex can claim? I hope not!
@MyGovExpert Dr. Ed - Regarding the split strategy. In a situation where the lower earner turns on at 62, and the higher earner turns on at 70, is the spousal benefit reduced from 50% of the higher earner's FRA benefit due to deemed filing?
I’m 60 years old, recently got another shoulder surgery. I worked as a Certified Nursing Assistant and with my past surgeries of neck and both shoulder injuries I can no longer work as a CNA. My husband is 66 years old and retired. Our only income is his Social Security. Can I apply for Spousal Social Security at the age of 60? If so , How can I start the process? Any advice is greatly appreciated.
How far back can you collect spousal benefits? My wife started to collect her ss benefits in 2017 when she turned 66. I did not realize I could receive spousal benefits until recently. Can I now collect benefits from 2017?
My head just spins trying to understand all this
Yeah the whole thing is pretty confusing
Hi bonnie, your head won't spin way as much when you become familiar with the SSA terminology. If you'll go back and listen to this video up to 7 times you'll understand what is being explained. Hope this helps. It's tricky, but makes sense after you get used to the language:-)
Hi Dr weir! My ex husband was disabled in 2009. I was taking care of my 2 children and getting disability for them under their dad SSDI. I did not know about the auxiliary in care. My son is now 27 and my daughter is 19. Will Social Security pays me all that back axillary in care money?
Thanks for sharing your expertise on the subject matter. I turn 62 this year and planning on retiring from my current job, but won’t be applying for SS benefits yet. Will my SS benefits increase each year that I wait, even not working? Thanks Dr. Ed.
Please join one of my LIVE FREE TH-cam Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
I was receiving benefits on my ex spouse while I continued to work as a teacher after FRA. My benefits were suspended when I retired. Do I have to re-file for benefits since the GPO has been repealed, or will I begin to get payments on my ex spouses record again?
Hello 👋 Beautiful lady 🌹..How are you and the weather condition like?
I was married to him for 28 years but live with him 14 years but was still married for 28 years
Thank you for sharing your knowledge!
My pleasure!
Is a p i a included in any death certificate
@MyGovExpert I do not see the link for the calculator. Would you mind posting it please? Thank you!
I just turned 65 and my ex just turned 62. I'm already on SSDI and have been for a few yrs. Is it wise to wait til FRA before filing for ex-spousal benefits?
Very clear and understandable
Glad to hear that
I only can get wife benefits so how long do I have after he passed away and go ahead and do it now it's not too late is it
Good day. Just a couple of questions/clarification. Me and my husband went to social security office in Kennewick Washington yesterday to inquire about the spousal benefit. We were informed that we should be married for 10 yeas before I can apply for the said benefit. My husband is on disability since 2006 because of his Multiple Sclerosis. We've been married since 2019. I acquired my citizenship 2023. presently unemployed and never work but planning after recovery from recent surgeries. From my understanding since I am 62 years old and been married for more than a year, I can apply. But to my surprise we still need to wait for 5 years before I can apply. And we were also informed we should set appointment. Anyhow, I am trying to seek an appointment next month at Fruitvale Yakima Social Security office. Hoping for some clarification. Thank you.
My husband start his full retirement at age 67 and I will be 62 this year, can I claim my Social Security at 62 and then where I reach to age 67 then clam for spouse benefits?
My husband and I have a higher earner, lower earner situation and think we may have this wrong. I the lower earner am 63, was going to collect on my own SS for now (a reduced benefit) and my husband would wait until his FRA at 67. It was our understanding that when he applies at his FRA I could switch over to my spousal benefit of 50% of his. Is this correct or would my spousal benefit be forever reduced because I started collecting my own benefit at 63?
I was married for 27 years, divorced. We both remarried and my second marriage lasted 8 years, then divorced. I’m getting conflicting information and want to know,” Can I collect half of my ex spouses benefit now and then collect my full amount at 70? “. I’m 66 yrs old now
You have to file on your record first if he's still alive
Yes he is still living . So if I file on my record first, I can collect half of his now and my full amount at 70? He is waiting until 70 to receive his full benefit
I called SS office and was told that I can no longer collect half of my ex husband if he still alive, it’s only upon his death
Great video. Can a spouse get spousal benefits if they never worked but her husband has significant benefits? When can the spouse qualify (how old must the be) to claim?
Can receive benefits as early as 62 as long as the spouse who worked is claiming as well. She would not receive 50 percent at her filing age of 62 but could wait until her FRA and then is eligible for the full 50 percent due to her.
Does this potentially affect x wife claiming based on x husband’s ssi?
Thank you. it was helpful!
Happy to hear that!
Dear Dr. Weir, thank you so much for all the information .
My husband started to collect SS at 64. I just turned 64 and I would like to apply for Spousal benefit as I was a stay at home mom. Should I wait until 65 to collect the spousal benefit or can I apply and receive now. If I wait until 65 will my benefit be higher?
Thanks for your kindness and response.
Thankyou for such helpful videos.My husband passed away October 2022.
He was 68 when he passed away but he started receiving benefits at 61 because he became disabled and could no longer work. I will be 62 March of next year. If I wait until I am 62 1/2 would I receive this cap benefit at 82.5%? thankyou
They also said I had to wait until I was 62 but he passed away March 27th 2022 I do what can I do it now while I am 60 years old
I started collecting my SS at age 62 (I am now 66 and he is 63) I receive $791 after my medicare ins is deducted and I did get spousal benefits at that time (age 62) in the amount of $150 it has increased because of COLA , my question is am I locked in at this lower amount? My ex-husband receives I believe about $3000 in SSD, thank Dr Weir for all you do to make things simpler for us out here! I hope my question makes sense, lol Also if he would pass away, would I get his SS amount because it is a higher amount than mine? Ignore those that say your videos are too long, you are giving us ALL the information we need and thank you again for all your help.
If I'm reading your question correctly, then yes, you are locked in because you started receiving benefits. If he passes then you could get what he was receiving.
@@MyGovExpert Dr Weir thank you, great information!
I started collecting ss at 62. My husband, 2 years younger than me. When he passed away at age 60, ss switched me to survivors benefits. Based on my husband's work history, my benefit went from $1,100 to over $2k. Our son's medicaid was switched to survivors benefits more than 2/3rd increase from his medicaid.
@@gregorylyon1004exactly!! It already eliminated the option to file for ex spouse’s 50% portion at 62; you now must wait until FRA if you are born after 1954.
I’m not sure why this has not been covered in his videos
Thank you very much for all of your information. It is very helpful!
You are so welcome, and thank you so much for the kind note.
But we were separated but still legally married and you have to know his Social Security number so I don't know what it is either but they said I can get it from death certificate and I don't know how to file for that yet
Hello, can a worker claim their own social security benefit based on their earnings record when they first become eligible (age 62) and later when their higher earning spouse turns 67 and claims their full retirement benefit, can the worker then apply for spousal benefits at that time and still receive the full 50% spousal benefit? Of course, I do understand if a worker claims their own benefit early, it will be reduced. And, I understand if a worker claims their SPOUSAL benefit early, they receive a reduced amount and are locked into that amount.. But if that worker waits until their full retirement to claim spousal benefits after receiving their own benefit since age 62, then will they receive the full 50% of the spouses PIA (again assuming the 50% is GREATER than the worker's own benefit they've been paid since 62). Does it make sense what I'm asking? In essence, is this the "split" strategy you spoke of? Thank you so much for the great content!!
My wife did not take benefits when I started in 2021 thinking she could wait to 70 to get increased benefits in five years moreover, will she lose any back pay or get a lump sum? Additional should she pass before starting benefits what happens to uncollected benefits earned? Thank you for you service your video has opened my eyes
There are no "back benefits". A person files at 70 - that is when their payments start. No 8% extra on spousal benefits - just the calculated 1/2 payment they would have received from the spouse's work history if they filed at full retirement age. No reason to wait to 70 for the spousal benefit - in fact it'll be close to 3 years of lost, never to retrieve, payments.
I filed at age 62 in 2021 and my spouse didn't and doesn't qualify for any other benefits except spousal benefits are you saying all those qualifying months are lost?
Hi Ed. After watching this video, we went to SS ofc so I could file for spousal benefits. I started receiving my SS at 62, my husband at FRA 65, and I'm now beyond my FRA. They said my PIA was over 1/2 his because it calculated my PIA as if I continued working at my highest wage till FRA. That "calculation" made my PIA about $400 over what I get in SS. My husband's SS is 2.4% over mine. Does this seem right? We could sure use the extra income. Thanks
So much information! Thank you!
You're welcome
Tank you, Dr. Weir, for your valuable information. Years ago, I was told that my ex must die before I can receive his higher Social Security pension. We both are retired elders receiving Social Security benefits from our individual work records. I was married to this terrible man for fourteen years, before being able to divorce him. Can you please tell me whether I must wait for his death, before filing and receiving a higher amount on his work record. Thanks for a little response: Yes or No? Much appreciated.
My 61 yr old husband has cancer and recently approved for disability with back pay 10 mo. How will this affect widow survivor benefits?
Please join one of my LIVE FREE TH-cam Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
I will be applying for FR benefit this coming March 2025. I am currently working and residing in Guam (a US territory). My question is about spouse benefit. My husband is 65 year old and is still working as well. The SS office here on Guam personally told me that he could not apply is not qualified to get spouse benefit when my full retirement benefit starts next year. We have been married for 34 years already. They said that spouse benefits only apply to those born on 1954 or earlier. Please confirm if this is true.
I am a dual citizen (American & Canadian) and retired in Canada after working 36 years in USA. My wife used to have a green card but the Canadian government asked her to give it up when she came back to Canada. I was wondering would she get any part of my Social Security Benefits in case of my death. She is a Canadian citizen and we have been married close to 50 years now. Also, where can I find some information on this? Thank you for your response in advance!
Please check the payment tool on the SSA.gov website.
To get benefits as an independently entitled divorced spouse, does the ex spouse still need to have a benefit that's more than twice of your own ? This is actually for a friend who was told that she would have to wait until her husband passes away in order to get a higher benefit but her benefit is only $1,100 a month and she's barely making it. She's 75 and I'm sure her ex-husband is close to her age.
Yes, his has to be over twice hers while he's alive. Make sure she applies for Medicaid and then call my Medicare team and they'll see if there's more benefits in her area. 888-817-0446
My wife and i are in our 70s. We both draw ss. I make 2800 and she draws 900 is she able to get an increase with spousal benefits and how do we do this
The Independently entitled divorce clause ,must be divorced ten (10) years also?
Married 10 years. Divorced at least 2 years.
My sister-in-law contracted leukemia 2 1/2 yrs ago. She was married for over 30yrs. She divorced him and he passed away(veteran). She remarried but also inherited a hefty amount from a couple that had no children. She has been paying her own health costs for leukemia. Could she have received benefits from her deceased exhusband if she hadn't remarried? She'll be 62
She cannot get Medicare until she’s 65. However, if she somehow qualifies for disability, she will be able to get Medicare after a certain number months (usually after 24 months but there are exceptions). I would try to get health insurance through the government Marketplace. There are lots of options there so encourage her to check out that option. This final recommendation is one I know the least amount, but even though he died and they had divorced, she still might qualify for some benefits through the VA.
If she had not remarried she could have gotten survivor social security off of her exhusband's work record - and the full amount. Since she remarried and is still married she can not.
I have a question Dr. Ed. My mother is a filipina (70 years old)and was married to US Citizen husband ( 76 years old ) for 14 years. My american step dad have been collecting pension since at the age of 62. They are both living in the Philippines. My mother has never travelled to or resided in the USA . My question is my mother eligible for any spousal benefits due to her marriage to an american citizen? I would greatly appreciate any information or guidance you can provide. Thank you
Can i qualify for spouse benefits? Im 71 and drawing on my own, i remarried when i was in my late thirties? Thank you
Can I file for spousal benefits and still work full-time?Or can I only make 22,000 a year
Good morning Dr. Ed. My wife will be 65 (planning retirement) and I will be 62 (still working). If she decides to file at age 65, she would receive her own benefit alone? When I decide to retire at FRA and file for my own benefit - would she then be entitled to the higher of her own or half of mine? I guess I am just trying to understand WHEN the comparison to half of my benefit first is made? Sounds like it isn't compared until I file for my own benefit? Correct?
My sister's husband recently passed at the age of 60. She received her first survivor/spousal SSI check this month. She has a small business and would like to know how much she can make before it affects SS? She lives in Florida. she is worried SS will end her SS payment. If it were ever cut off, can it be reinstated?
Does the husband and wife both get Social Security?
Question... regarding the spousal benefit... what if your wife was a homemaker and doesn't have enough credits to collect on her own? Do we still file 3 times? Is she still eligible for 50% of my benefits at her full retirement age?
Please join one of my LIVE FREE TH-cam Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
Thank you for explaining
You're welcome
Good day, sir. I am currently receiving SSDI. I am 62, and my wife is 59. Can my wife apply for Social Security at age 62 and wait until she's 67 to apply for spousal benefits?
Can an ex spouse select NO for that spouse to collect SS from the SS office?
No
Can you please explain me if I will go in my fool retirement age for 50% my husband s security benefits and I will still work for 2 years
Call I later switched for my s security benefits if my will be much higher.
Thanks
I keep trying that number to get the supplement information regarding Medicare. It keeps hanging up. Please advise. I just spoke with you about 2 to 3 weeks ago.
Sorry about that. Should be fixed now. Please call our partner directly (352) 841-0632. Thank you
Omg you get complains that your videos are to long. That’s a shame some viewers don’t appreciate you are helping them for “free”, how ungrateful and spoiled society is . They should count their Blessing Dr. Ed Weir is providing valuable advice . Dr. Weir excuse these ungrateful viewers .
My first husband and I were married 32 years and divorced. I remarried in 3 years. He remarried in 6 months. May I receive my first husband’s SS?
Please join one of my FREE LIVE TH-cam Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
I was married for 28 years I divorced in 1994. I than got part of his pension. He than remarried for 10 years and now has decreased. Am I entitled to part of his social security? He passed 7 years ago. If I am entitled how do I do this?
Please join one of my LIVE FREE TH-cam Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert
Married 40 years when wife and I reach full retirement age. I am the earner my wife has been a fulltime housewife & Mom with a very small amount of work before we got married. Would she be eligible for spousal benefits when I am collecting? I can't find anything specific on this.
Yes, she would receive 1/2 of yours if you you wait to collect until FRA and your wife also waits until her FRA.