No, your ex-husband cannot collect on your Social Security if you remarry. The Social Security Administration generally does not make payments to ex-spouses for benefits in the event of a remarriage.
The exception is if you have been divorced for two or more years and are now married to a new spouse. In this case, your ex-husband may be eligible to collect a portion of your Social Security benefits if he meets specific requirements, such as having been married to you for at least 10 years and being age 62 or older.
However, if you don’t meet these criteria, then your ex-husband will not be eligible to receive your benefits after you remarry. Additionally, the Social Security Administration will not pay benefits to an ex-spouse if you are married to someone else and are receiving benefits based on that person’s record instead.
Can you collect Social Security from an ex-spouse if you remarry?
Generally speaking, if you have already begun collecting Social Security (SS) benefits, you will continue to receive the same benefits after you remarry. However, the amount of those benefits may change for two primary reasons.
First, both you and your spouse can claim benefits based on your earnings records. In most cases, the Social Security Administration (SSA) will pay the higher of the two benefit amounts. If your benefit amount is lower than your spouse’s, your benefit payment will increase to the higher amount.
Second, if you are receiving SS benefits based on your former spouse’s earnings record and you remarry, your eligibility for those benefits may be affected. Depending on your remarried spouse’s earnings record, you may be eligible to collect larger benefits than you were receiving previously.
It is important to note, however, that the SSA will only consider the benefits based on your former spouse’s earnings record until the remarriage. You may also be able to collect spousal benefits on your remarried spouse’s record.
In either case, it is important to contact the SSA directly before remarrying, as the rules surrounding eligibility can be complex and vary from case to case.
Can I collect spousal benefits if I remarry?
You can usually only collect spousal benefits from your previous spouse if you remain unmarried. Depending on your circumstances, you may be able to collect benefits if you remarry even though you are no longer married to your original spouse.
Under certain conditions, divorced spouses may be able to collect spousal benefits if they remarry after age 60 (age 50 if disabled). The Social Security Administration (SSA) requires the divorced spouse to have been married to his or her prior spouse for at least 10 years.
The divorced spouse must also not be eligible to receive or already be receiving benefits based on his or her own work record.
In addition, the remarriage must be after the age of eligibility for the divorced spouse to receive benefits on their former spouse’s record. The former spouse also needs to be eligible to receive Social Security retirement or disability benefits.
If you remarry, but meet these conditions, you may still be able to collect Social Security benefits based on your previous spouse’s record. It’s important to note that if you do remarry, you will no longer be eligible for divorced spouse benefits — unless your new marriage ends.
If that happens, you may regain eligibility for the divorced spouse benefit.
How much Social Security do you get from a divorced spouse?
The amount of Social Security benefits you can receive from a divorced spouse depends on several factors, including your age, how long you were married and how much you earned during your marriage. Generally, if you were married to your former spouse for at least 10 years, you may be eligible to receive up to 50% of your former spouse’s Social Security benefit as long as you are unmarried and at least age 62.
It’s important to note that any amount you receive from your former spouse does not reduce their Social Security benefits, nor do you have to pay income tax on the amount you receive. It’s possible to get the full spousal benefit even if your spouse is still alive, as long as they are age 62 or older and are entitled to receive Social Security benefits based on their work record.
If you were remarried, you may not be eligible to receive spousal benefits from a divorced spouse. Additionally, it’s important to keep in mind that receiving benefits from a divorced spouse does not affect your own Social Security benefits based on your work record.
You can always receive whichever benefit is higher—regardless of whether that’s your own or a divorced spouse’s. Lastly, if you’re divorced and unmarried, you may be able to receive Social Security benefits based on your former spouse’s work record.
At what age can I collect 1 2 of my husband’s Social Security?
You can begin collecting a portion of your husband’s Social Security benefits once you reach the full retirement age of 66 or above. This amount may be as much as one-half of the amount your husband receives, or it may be less.
At ages 62 to 65, you can receive a reduced amount of your husband’s benefits. It’s important to note, however, that you must wait until you are 62 in order to receive this reduced benefit, and it’s also important to understand that you do not qualify for benefits until at least one full month after your husband has filed for them.
Additionally, once your husband passes away, as a surviving spouse, you may be entitled to a greater amount of Social Security benefits.
How do I get the $16728 Social Security bonus?
The $16728 Social Security bonus is a bit of a misnomer. It is not actually a bonus that you can receive, but rather a combination of two different benefits available through the Social Security program.
The $16728 figure is what you may be eligible for if you file for both Social Security retirement benefits and Social Security spousal benefits. The amount of your retirement benefits takes into account your past earnings, while the amount of your spousal benefit depends on the earnings of your spouse or ex-spouse.
If you are married, you may be eligible to receive up to 50% of your spouse or ex-spouse’s benefits. These benefits are in addition to your own Social Security retirement benefits.
In order to receive the $16728 combination of retirement and spousal benefits, you will need to meet a few requirements. First, you must be eligible to retire. Generally, a person can retire as early as age 62, but the full retirement age is 66, unless you were born in or after 1960.
Secondly, your spouse or ex-spouse must have already begun receiving Social Security retirement benefits. Lastly, your own Social Security retirement benefits must be less than the combined amount of both retirement and spousal benefits.
In order to file for both Social Security retirement and spousal benefits, you will need to complete an application. You can do this online or in person at a local Social Security office. Be sure to have all necessary documents and information on hand when filling out the application.
Finally, once you have filed, you will need to wait for a response from Social Security. Though the wait time can be several weeks, you will be notified if you have been approved and can begin receiving your combined retirement and spousal benefits.
How many years do I have to be married to collect my husband’s Social Security?
In order to be eligible to collect Social Security benefits from your spouse’s contributions, you must be married for at least one year. After the one-year marriage requirement is satisfied, you can submit an application to the Social Security Administration and begin collecting your benefits.
Your age will also determine when, and how much, you are eligible to receive in benefits. If you are younger than 66, you will typically receive less than the full amount of your spouse’s Social Security benefits.
However, if you are 66 or older and your marriage has lasted at least 10 years, you may be eligible to receive the full amount of your spouse’s Social Security benefits. Additionally, if you are caring for the spouse’s child who is under the age of 16, you may be eligible to collect benefits even if the marriage has not lasted 10 years.
Can my wife take Social Security at 62 and then switch to spousal benefit?
Yes, your wife can take her own Social Security benefit at age 62 and then switch to receive a spousal benefit once you reach your full retirement age. The earliest age you can start receiving Social Security benefits is 62.
The full retirement age for Social Security benefits is 66 or 67 depending on when you were born. When your wife reaches her full retirement age, she can suspend her own benefit and apply for a spousal benefit of up to 50 percent of your full retirement age benefit.
Before she applies for the spousal benefit, she can choose to receive any delayed retirement credits she qualifies for. However, since she elected to receive her own benefit at age 62, she will not earn additional delayed retirement credits after that.
Your wife can switch between her own benefit and the spousal benefit anytime you are both receiving benefits.
Do you get more Social Security if you are divorced?
The amount of Social Security benefits you are entitled to is based on the amount of Social Security you earned during your working years. If you are divorced, it does not necessarily mean that you will receive a higher Social Security benefit than if you were not divorced.
Your Social Security benefits are based on the records of your earnings during your working years, and it makes no difference to Social Security if you are married or divorced. However, if you were married for more than 10 years and haven’t remarried, you may be entitled to a portion of your former spouse’s Social Security based on your ex-spouse’s income.
In this case, the amount you would receive is a percentage of the former spouse’s Social Security retirement or disability benefits. The benefit amount is based on the percentage determined by a formula created by the Social Security Administration (SSA).
In addition, if you are divorced after 10 years of marriage and you are currently unmarried, you can qualify for Social Security benefits based on your ex-spouse’s work record. This would apply even if you never worked or if your ex-spouse has already retired or is no longer alive.
The benefit you receive from your ex-spouse’s Social Security is equal to one-half of their full benefit as long as it is larger than the benefit you would receive based on your own work record.
Overall, it is important to understand that the amount of Social Security benefits you will receive is not directly related to your marital status. However, if you were married for more than 10 years and have not remarried, then you may be eligible to receive a portion of your former spouse’s Social Security based on their earnings.
It is therefore important to evaluate the potential benefits you may receive from all eligible sources before you make any decisions.
What is the Social Security spousal benefits loophole?
The Social Security spousal benefits loophole is a way for married couples to maximize their benefits. It allows one spouse to start collecting benefits based on the other’s earnings record, known as a “restricted claim,” before the full retirement age of 66, or in some cases up to age 70.
This spousal benefit loophole allows the higher-earning spouse to receive full benefits and the other spouse to receive up to 50% of their benefits. This means that a couple who uses the loophole may be able to receive more than their full benefits may allow.
For example, if a husband is 66 and his wife is 64, the husband can claim his full Social Security benefits and the wife can file a restricted claim for up to 50% of her Husband’s benefits. This can provide an additional income stream of roughly $2,300- $2,800 per month (depending on the couple’s circumstances).
While this loophole offers a great financial planning opportunity, it is important to note that it is only available to married couples. It is also important to remember that it is not a loophole for everyone and couples should do their due diligence to determine if this is the best financial decision for their family.
What benefits will I lose if I get married?
If you get married, the potential benefits you could lose include:
1. Your Social Security benefits. If you are disabled and eligible to receive Social Security Disability Insurance (SSDI) benefits and were unmarried at the time you applied, both you and any children with disabilities would qualify for benefits based on your work history.
If you marry after you qualify for SSDI, your spouse may not qualify for benefits based on your work record.
2. Your pension benefits. You may not be able to leave your pension benefits to your spouse if you are not married. Most pension plans treat marriage similar to a contract; if you are married, your spouse may be entitled to a portion of your pension in the event of your death.
3. Tax benefits. The federal government provides some tax benefits for couples who are not married, such as an Earned Income Tax Credit (EITC). In states that impose income taxes, couples who are not married often pay lower rates than those who are married.
Additionally, some states provide a tax incentive for single filers with children.
4. Health insurance coverage. Employers can provide you with health insurance coverage if you are unmarried. Your spouse may not qualify for the same coverage, depending on the terms of your employment.
5. Other benefits. You may face other restrictions on benefits such as survivor benefits or life insurance coverage if you are not married. Additionally, some employers may not provide spousal coverage for benefits such as flexible spending accounts or long-term care insurance.
What is the 10 year marriage rule for Social Security?
The “10-year marriage rule” is a term used to describe one of the requirements that must be met for a divorced spouse to be eligible for Social Security benefits based on their ex-spouse’s work record.
Specifically, to receive these benefits, the individual must be separated due to a divorce and the couple must have been married for at least 10 years. Although the “10-year marriage rule” often comes up in reference to Social Security, it can also be applied to other areas, such as filing joint tax returns or spousal insurance policies.
Generally, the amount of Social Security benefits a divorced spouse can receive is based on the amount of benefits their ex-spouse would be entitled to at full retirement age. A divorced spouse may also be able to receive worker’s benefits on their own record if it is larger than their spousal benefit.
In addition to the 10-year marriage requirement, the Social Security Administration (SSA) has other conditions that must be met for a divorced spouse to be eligible for benefits. For example, the former spouses must have been married for at least 10 years, the marriage must have been legally recognized, and the divorced spouse must have remained unmarried.
Furthermore, if the primary worker has remarried, the divorced spouse must have been divorced for at least two years.
Finally, the divorced spouse must be at least 62 years of age and not eligible for a higher retirement benefit on his/her own work record or on the record of another ex-spouse. Regardless of the length of a marriage, if all of these requirements are met, a divorced spouse may be eligible to receive Social Security benefits on the work record of their former spouse.
Can I collect spousal benefits and wait until I am 70 to collect my own Social Security?
Yes, you can collect spousal benefits and wait until age 70 to collect your own Social Security. If your spouse has already filed for his or her own retirement benefits, you can claim either a spousal benefit or your own benefit, whichever amount is higher, as early as age 62.
However, you can’t receive both your own retirement benefit and the spousal benefit at the same time. The amount of the spousal benefit is equal to one-half of the worker’s full retirement benefit.
If your spouse has not yet filed for his/her own retirement benefits, you can file for spousal benefits at your full retirement age and then, when your spouse files for retirement benefits at age 70, you may switch to your own benefit, which will have grown due to the credits for delayed filing.
This allows you to receive a higher total benefit than if you had claimed your own benefit at your full retirement age.
How can I maximize my spouse’s Social Security benefits?
If you want to maximize your spouse’s Social Security benefits, there are several steps you can take. The first and most important step is to ensure that your spouse meets the eligibility criteria for the program.
Your spouse must have worked at least 10 years, paid at least the minimum amount of Social Security taxes, and obtained their necessary credits.
The next step is to determine when your spouse should start collecting their Social Security benefits. The best time to start collecting Social Security benefits is when you, and your spouse, are at your full retirement age.
This depends on the year in which you were born and ranges from 65 to 67.
Another way to maximize your spouse’s Social Security benefits is to consider their work history and wages. Higher-than-average wages and having a history of consistent employment and self-employment may raise the amount that your spouse will receive in benefits.
You should also take into consideration any spousal benefits that you may be eligible to receive. If you have not worked and you are at least 62 years old, you may be eligible to receive up to half of your spouse’s full Social Security retirement benefits.
Similarly, if your spouse is the higher earner, you may be eligible to receive up to a maximum of 100 percent of their full benefit.
Finally, it is important to be aware of any changes or rules that may affect your spouse’s Social Security benefits. For instance, Social Security is subject to cost of living adjustments, so you should keep that in mind when budgeting for your spouse’s Social Security benefits.
You should also take into account any new laws or regulations that may provide additional benefits to your spouse.
