Social Security Spousal Benefits Explained by Former SSA Manager; PART 1
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- Опубліковано 6 бер 2024
- 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 UA-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 - Навчання та стиль
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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 UA-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
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
👍👍👏👏
This is education not entertainment!
If viewer gets bored, then they should come back when their serious.
Lol! Tons of cat videos out there!
The real educators do not profit from their knowledge. Thank you sir for being amazing!
Thank you! Have an awesome week, Ed
Thank you Dr. Weir!
You're very welcome!
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
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!
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!
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.
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.
Thank you. it was helpful!
Happy to hear that!
Thank you so much. I had no idea about the DRC and survivor benefits.
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.
Very clear and understandable
Glad to hear that
Very informative. Thank you.
Your amazing. Thank you for helping people
You are so welcome
Great information ❤
Glad you think so!
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
Correct. It's based on her age, not your age.
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?
Hello, I just subscribed recently. I have a question for a friend. She’s 65 this year and been divorced for 4 years now. Her Ex husband is only 55. They’ve been married for 25 years. She’s can’t file for spousal until he turns 62?
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.
Social security is eliminating spousal benefits right now. It's already being discussed. LOL. No more free rides
@@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
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.
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.
If you have never worked and claim survivor benefits, do you stick with this or do you convert to spousal benefits at a later age, e.g., when you turn 67?
My new husband is an Italian 78 yo man that just received his SS# and Green Card. The big mess started when we went to SSA to see if he was eligible to receive spousal benefits. Should I pay the Medicare premium bill or take it to the SSA office? Thank you for your time...I really appreciate it.
I'm sorry, I don't really understand your situation. Did he receive Medicare before he received social security benefits?
Can you either answer this or direct me to a video that fits my situation my husband and I are both drawing Social Security if he was to die I’ve heard I can get my Social Security plus part of his?right now what I’m drawing is a little more than half of his if that makes a difference thank you
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
Your wife never worked in America. So why should she ever collect anything????? Just another free ride. No way
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
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
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.
I’m really confused. Married 28 1/2 yes. My ex will turn 70 next year 2025, he will start to collect then, and I will be 63…1) how much will I get if I start to collect his benefit at 63? Also, is his benefit 100% for himself, or 50% because he divorced? Thank you….
If I understand this correctly I can collect on my own earnings until the ex hits 62. At which time I can collect the higher of IEDS or my own benefit. In my case the ex is younger and his earnings are 3 times mine.
At the time I do file, would it be prudent to mention my future IEDS benefit so it's on record?
Hello, thanks for watching and commenting! Please join one of my upcoming UA-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
Aloha Dr Weir. I've been on SSI because SS claims I only have 36 quarters of work instead of the 40 minimum necessary for SSDI. I know I have way over 40 quarters, but IRS claims they don't have access to old files, and SS claims they can only go by IRS numbers. So, missing many quarters equals severe benefits reduction and awful restrictions. Any Solutions, ideas?
I think I answered you during the LIVE today. Hope that helped, Ed
Any solutions or ideas??? Yeah. Get a Job and pay in like the rest of us. Every person in this nation is just looking to collect a free ride on the taxpayers. LOL
I’ve been married once for 23 years. Divorced for 17 years. Spouse continued to work, I did not. SS told me I’m not entitled to spouse benefits because I earned twice as much as my husband did. Difficult to believe considering he worked 17 years more than I did.
I was told the same story, how could I be making 2x’s as much, I was a stay home’er for most the marriage, was also married 23 yrs and divorced 13. Interesting.
Perhaps not necessarily twice as much, probably his benefit is not more than twice yours. If his is not twice as much, then there is no money there unless he passes away.
Dr. Weir, I get multiple answers. My SS points are complete per SS report. My wife through our marriage is a homemaker (18 & counting). If she becomes a widow regardless of age would she be entitled to the benefit and is there a time she needs to wait for?
@@pgpc6448 Most of you stay at home housewives will never collect a dime from social security. They are eliminating spousal benefits right now. The last laugh is on you. Get a Job and pay in next time. LOL
@@gregorylyon1004 joke on us??? How dare you! Because we preferred to stay in home to raise our children! As a teacher, those are the children teachers can reach, can teach, they learn better when their parent is home with them as they grow. You can go deep to hell Gregory!
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
What about “reverse split” strategy? Meaning if the higher earner is collecting SSI at FRA, can a younger spouse who is 62 start collecting SSI claiming spouse benefit then when the younger spouse gets to FRA, can they “switch” to their own SSI if it is higher than the spouse benefit?
I assume you're talking about social security retirement and not SSI, which is a welfare based program. But no, when a spouse files, they have to file on their own first then they can file a spouse claim.
Hi Dr Ed. I’m 64 bigger bread earner. Still working. Just found your video. Wife one year younger stayed home raising kids. She could file at 62 or later on her record. I keep working and she changes hers to spousal later or when I die to to that ?
Yeah, if she's under the annual earnings limit, she should go ahead and start her benefits. It's just gonna increase to up to fifty percent of yours once you file.
Hi Dr Weir I am a male turning 62 next summer, will start collectimg SS benefits as soon as I turn 62, My wife was a stay at home mom who will be 63 at that time. She will apply for spousal benefits at the same time I turn 62 and will start drawing. What will her % of spousal benefits be at that time? I know 50% is the max but since she is 1 year older that me will her % be more than the minimum 32.5%? thanks much
As little as 32.5 percent of your primary insurance amount. A spousal benefit is reduced 25/36 of one percent for each month before normal retirement age, up to 36 months.
My head just spins trying to understand all this
Yeah the whole thing is pretty confusing
If you turn on your S.S. claiming yours at full retirement age plus the bumped up amount on spouse and you get a divorce, is your S.S. taken back down to your lower amount for 2 years after divorce is final before you can claim on your previous higher earner x spouse of 10 plus years?
If you are eligible as a divorced spouse, 10 year marriage, you can continue those benefits. If 10 years to previous, can switch to those.
I have a complex situation. I began receiving the young wife child in care benefit at age 59. My husband and I divorced when I was age 60, so my c-i-c benefit “terminated”, (because SSA does not allow for divorced spouse c-i-c benefits, prior to age 62), We were married over 10 years. So if I “wait” to claim as a divorced spouse, until my FRA of 67 or later, will my previous entitlement as a young wife, (prior to age 62) have “deemed” me to have filed “early”, therefore reducing my future divorced spousal benefits? I cannot find this specific info anywhere online, and the SSA agents, that I asked, were not even sure! Hope you can help!
Complicated issue that really can't be answered in a comment section. You can request SSA give you an official decision and you can appeal it if you disagree. I've never heard of child in care benefits terminating just because you were younger than 62.
Wrongful death settlement not considered income by IRS, does Social Security?
Only for SSI
Hi Ed, very good information! I have a question, I’m 72 yrs old, born in 1952. I started collecting my benefits at 66 ( full retirement age) I am still working. Married for 50yrs +. My wife has never worked. I currently received $1677 a month, my wife gets $699. I think it’s low for me and wife? Can you help ?
We can do a video chat?
Please ask this question during one of my upcoming LIVE Q&A sessions and I’ll be happy to answer it. Or you can schedule a private call here: calendly.com/mygovexpert/consult
Dr. Ed, I just want to clarify if the split strategy you mentioned is to best option for us?
I am the higher earning spouse, I will be 63 years old this August 2024, my wife will be 62 this July 2024. Can my wife really file now and get her own benefits and still can switch to spousal benefits when she reach 67 years old, assuming I will file mine at 67 or 68 years old?
Another question? I am now retired and have pension from my company. Although I receive pension from my company I still do consulting which exceed $22,250 per year plus my pension. Once I file for my benefits at my full retirement age 67 or 68 are there still penalties of me making an income exceeding the 22,250?
Thanks Bing Arceo
Sorry. Too many details to give you a retirement decision in a UA-cam comment? Please join my live or schedule a private appointment
I started receiving SS at age 70 last year. My wife is 67 and is still working and has not started her SS. Unfortunately, I don't know what my SS would have been at Full SS at age 66. It does not appear in my online SS Account. Do you know how I can find that amount from the SSA so I can see if it is more beneficial for her to take the spousal benefit amount? Thanks!
Just give SSA a call and they will let you know. She will get 50% of yours but she has to file on her own first...unless she wants to wait and collect Delayed Retirement Credits too.
Thank you doctor. You are a much appreciated public servant. @@MyGovExpert
Can I retire on my own SS when I am 62 then switch to spousal when my husband retires 6 months later when he is 66? I will then be 62 & 1/2.
You can add the spouse amount, but you can't stop your own.
SS help, told us my wife which is lower wage earner will not receive full spousal benefit if she applied for her own benefit before her full retirement. They said the 50% is calculated off what my retirement benefit is at the time she applied for regular benefit and will get the reduced spousal when we both reach full. So I understood you to say50% spousal would be calculated off my full retirement not what my retirement is when she starts her benefits at 64?
The calculations are at her full retirement age and your full retirement age. That sounds correct
This xspouse ss benefits are stopping this year. So if you file this year, do you still get them in 2025?
The exspouse benefits are not stopping this year. That's just more internet click bait
I need help with my award 54 disabled women husband died but we got divorced were married 20 years neither one remarried they are only giving me my record disability
They should have also checked to see if you were entitled for disabled widow's benefits. If they didn't check, make sure you give them a call. And tell them to see if there's more money there.
I'm divorced and was married for 10 years. I am three years older. Can I collect on my account and then switch to his when he reaches FRA (assuming 1/2 of his is more than all of mine!)? Would this be considered the Split Strategy you mentioned in the video?
Also, how do I find out how much which would be higher...mine or 1/2 of his, at FRA
When he passes, what would I need to do to get his death benefit? I am assuming it would not be automatic!
Please watch both videos. Should answer your questions
I and my wife have been married for 37 years, I am 80 years old and retired at 65 and receive ssr. My question is, my wife is Portugese, and does not work, she is 65, is it possible for her to receive spousal benefits ?
Absolutely. Please call SSA immediately and have her file for spouse benefits!! Her Medicare should have started too if she doesn't have insurance from your or her work. Then she'll need a Medicare plan to cover all the gaps. Let me know if you need help with that: 888-817-0446 or ed@mygovexpert.com
My wife is not a US citizen and we are living in Kyrgyzstan and have been married for 14 years. I am 70 receiving social security....can my wife receive spousal benefits when she turns 62? She has a social security card however she no longer has a green card.
Too many variables based on totalization agreements. I would contact the US embassy? They are more familiar with your particular country
Hi sir, I really need your expertise. I was married for 35 years and divorced years ago. Applied and obtained Spousal Benefits years ago. Remarried 18 months ago at 74 years old and a recent visit to SSA got me to SSA cut completely ALL my benefits and ask to return 30K of overpayment from the date I remarried. I almost went to the emergency room with chest pain from the stress. In the past 3 weeks I visited SSA many times to ask WHY! I worked enough to receive my own SSI. The last visit they found out SSA made a mistake and they told me that all will be back as before. Can I believe them? I got so many wrong info that I do not trust them anymore. In the mean while I just received the Medicare bill and if I do not pay it will be a mess. I do not want to pay,,,..what am I supposed to do? Thank you
There's a lot of variables. If you remarry, if your current spouses receives survivor benefits or anything like that. So usually the social security employees kind of mess that up because it's very unique exception, so it sounds like they recognized the exception later. And you're gonna get everything back, so let me know if nothing happens within the next few weeks and will come up with plan B
Hi doc Ed, I would like to ask a question.
I am married for 8 years already and I am 64 yrs old . My husband is 67 yrs old and he is now receiving this yr a pension. You said spousal benefits can claim even you are married for a yr. My question is I am not an immigrant nor us citizen….. he petitioned more than 6 yrs already and we are still waiting for approval. Can I claim for a spousal benefits? Thank you very much…. Looking forward for your answer.
Hello, thanks for watching and commenting! Please join one of my upcoming UA-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
It doesn't take 6 years for a determination on your social security. They obviously don't want to pay you for not working and only being married to this man for 8 years. LOL
My case is really messed up, I really need help. What should I do when my husband and I have never got divorced . We just lived in separate houses. We had 2 children together that are now grown. We got married in June 1984. Because I was pregnant
You have to file for benefits on your own record first, then spouse benefits on his.
I did file for my own when I was 62 years old. Now I am 69 years old now.Can I file for spousal benefits? I have been getting social security retirement for 7 years now.
My spouse was on SSDI since age ~45. He is 65 now and is on SS. His current benefit is less than half what I would get at my FRA at 66 and 2 months. I am 68 and have not yet collected SS and do not intend to until I am 70. I am confused. Should he wait until his FRA at 66 and 8 months to ask for spousal benefits or should he do that now? Also will his spousal benefit be based on my FRA or the amount when I collect SS at 70? In that case he should wait until then, right?
Also we have been married more than two years. Thanks much.
Spouse benefits are based on your full benefit amount. So when you take your benefits, it doesn't matter.
Question. So if I understand right the following info would be correct.. I’m 65 and I wait to take me social security until I’m 70 and I die at 69 my surviving husband can wait another 1 year at the age I would be 70 to collect SS even would get the maximum amount due even though he’s only 65 at the time regardless if he collecting SS or not? So confusing.
If your husband waits until he's full retirement age, he will get whatever you were getting.
I collect under WEP , can I now collect half of my spouses SS both are at max age
Please check out my WEP videos. There's a lot of variables.
My husband retired at full retirement age.Should i wait until full retirement age to get spousal benefits?
If your benefit amount is less than half of his, then maybe you should consider starting yours sooner. And then adding the spousal benefits on top of it when he retires.
My wife and I will both be reaching our full retirement age of 66 years and eight months next year. At that time, my wife’s Social Security benefit will be $34,000 annually, and mine will be $20,000. My wife wants to wait until age 70 to take her Social Security so that her benefit can grow to $43,000 annually. But I might take my Social Benefit at my full retirement age to tide us over. Here’s my question: if I begin taking my Social Security benefit at age 66 years and 8 months, can my wife apply for a spousal benefit based on my Social Security benefit? And more importantly, if she takes a spousal benefit and then at age 70 switches to her own benefit, would the $43,000 that she would normally receive at age 70 from her own benefit be reduced because she had been receiving a spousal benefit since age 66 years and 8 months?
If your benefit is twice her amount, then she can collect benefits off your record.
Good afternoon Dr. Question: My maximize is $3,350. I have step daughter who is disabled blind before age 22. If I retired 62, I would get $1,365, my wife is 4 years older than me, she would be 67, receiving half of my full retirement age. Does the child since she is disable, receive half of my full retirement plus Child care aux. meaning= $1,117+1,117=$2400 +her mother half of my full retirement $ 1,117+ my retirement: $1,500. Total: $4,716.
OR JUST THE MAXIMUM WHICH IS $3,350. Thanks
Are step children eligible?
Step children can be eligible. You should file as soon as possible.
Why are you trying to collect for a step daughter???? We tax payers don't want to pay in for that.
I was married for over 24 years before I got divorced. I filed for SS benefits at age 62. Not sure when my ex-husband filed for his SS benefits. We both have not re-married, and my ex-husband is still alive. Can I file for Divorced Spouse benefits? Pls advise. Thank you.
Yes, you can. If his benefit amount is twice as much as yours,
@@MyGovExpert Thank you!
Im collecting widows pension we were married 23years he passed. Should i now collect retirement now instead. I'm 65 and 7 months
It really depends on your benefit amount. Call Social Security and find out how much it is right now, and if it's more, then you might consider switching
How long does it take to get your back pay
Could be a few days or a few weeks.
so did you if i wait to take my retirement until say 70 my wife who's not taking any SS yet. Say I get 4000 at 70 and my full retirenent age would be 3000. I die she would get 4000 and not 3000?
Correct, if she's FRA or beyond she gets what you were getting.
What is FRA ?
Full Retirement Age
Husband born 1955
Wife born 1961.
Husband has not filed and intends on working until he is 70 and is currently estimated to receive ~ 4628 per month at 70.
Wife(Spouse) is not currently working but has earned wages and at FRA will be eligible for 1800 per month.
If spouse starts files early at 62 on her benefits there will be a reduction in the benefit based on the eligible benefits at FRA.
The husband files at age 70 for delayed credits at this time the wife will be 64.
Can the wife wait until she is at FRA (67) to start claiming spousal benefit which then will be half of the husbands benefit at FRA?
Would there be a penalty at this time for because the wife started her claim prior to her FRA.?
Suppose the husband pases away at 73.
What will be spouses survivor benefit? Will it be FRA retirement amout or the delayed retirement amount? Will there be penalties to survivor amount to the spouse be she had previously selected early retirement on her own claim?
Lots of questions. Maybe consider a private consultation. calendly.com/mygovexpert/private-consultation-with-dr-ed-45-min
They told me I could not since he hadn’t filed yet.
That might be incorrect. Independently entitled divorced spouse.
Can my husband receive spousal benefits if Im disabled and receive full benefits but he works?
If he is of age and under the annual limit
My husband is 70 collecting Social Security at FRA I just turn 62 can I apply for spouse benefit and let my grow until I reach the full retirement age
Split strategy
Thank you sir😊
Can I begin to collect my current husband benefits if we both started collecting at 62 but are now 65. I collect 1289.50
He collects 2122.08.
No, it looks like his benefit amount is not twice yours, but they're pretty close. They go by the full benefit amount, so call Social Security and just double check the numbers.
Hello I’m on SSDI can I receive my husband benefits at 62 because I just did my income because we’re separated
You have to actually be Divorced and, for 2 years.
Can one apply for survival ss benefits on line ?
No, not yet.
So im 64 im still working 20:43 , can i file for xspouse benefits even if im still working?? Do i have to retire to get the ex spouse benefits?? We were married for 15 yrs. He turns 65 this year.
You can file for expose benefits if you're still working, but you have to stay under the annual limit. If you go over, Social Security will hold back one dollar for every two dollars you go over.
@@MyGovExpert so is that the $21,000, on top of the ss benefit??
What if a divorced wife remarries? can she still claim off her original husband?
A lot of variables there, please check my video on the top 5 spouse myths
Hi sir, I have a neighbour here in Philippines and she is married into a retired US NAVY, sad to say he died last March 12, 2024 and his brother told my neighbour that there is no record that they are married but my neighbour has all the evidences that will prove their marriage, they are married here in the Philippines, I hope you can guide her where to start so that she can claim the survivor benefits. Thank you, Godbless you. ❤
Have them call the US Embassy in Manila.
It sounds like this Navy guy went to the Philippines to marry a much younger woman. Too bad that we Americans don't want to pay her a dime for social security or his pension. Better luck next time. LOL
@@gregorylyon1004reading some of your comments you sound like a jerk. The navy guy you made a stupid comment about he served his country there is nothing wrong with him marring a lady from the philippines. The philipino people happen to very nice people.
@@gregorylyon1004if this navy man is married to a lady from the philippines then she should be entitled to ss survivors benifit just like any spouse is. A lot of military personnel get married to people from other countries nothing wrong with that. This man served his country. People from the philippines are very nice people.
Do Widows receive 100% of spousal benefits?
Up to 100%, you get the most when you wait for your full retirement age
If I claim SSA at 62 and my wife claims spousal SSA at 67, does she get half of my FRA (67) amount even though I am not receiving that amount because I claimed 5 years early?
Yes, her benefit is based on your PIA, FRA amount.
@@MyGovExpert Just to be clear...she is older than me, so when she turns 67 I will still be 64...but she will still get spousal benefit based on my FRA even though I will only be 64.
Ed may correct this, but my understanding is she cannot claim on your record until you yourself file for your Social Security benefits. So, if you file at 64, she can also file against your record, but only if you are filing yourself for Social Security benefits.
What if you were together for 5 years then married for 8… and divorced
Unless you live in a common law state, you had to have been married for ten years.
I am ccurrently collecting widow's benefits on my 2nd marriage , am I entitled to collect spousal benefits from my ex retirement benefits to maximize my income?Thanks for your informative feedback.
Hello, thanks for watching and commenting! Please join one of my upcoming UA-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
I'm hoping that the federal government will wake up and quit paying spousal benefits to divorced women. If the marriage didn't work out, why should you collect money on a failure??????
Hi good morning I'm a Filipina got married last year July 2022 and my us citizen husband passed away this year April 2024..do I qualify to claim his death benefits? His 76 years old and paralyzed with 38 years..I need some help..thank you
You need to go to the SSS office for sure you'll get survivor benifits.Dont forget to bring your marriage certificate and his death certificate. Condolence and goodluck.
@@mamamiajohnson2968 hi have a good day can I process here in Philippines ? I am here now in my country.i have a problem his family avoid me and not give me his death cert and his sss id and the sss#
@@mamamiajohnson2968 thank you
Contact US Embassy Manila and inquire they 'll help you for sure.Goodluck.
@@mamamiajohnson2968thank you
My wife cant get any of my SS if DIE !!! She is a postal worker thats not RIGHT.
Sounds like the GPO offset.
My wife died and I can't get widower benefits
Why is that? Is your benefit more than hers?
She couldn't get medicad when we left Texas and moved to South Dakota, where she died of Cancer
Happy Good day Sir,
I would like to know if i am possible to receive a survivor spouse benefits.Im a filipino citizen.My wife was a teacher before for almost five years.Unfortunately she was died May 02,2008 die to her illness colon cancer.
You should call the US Embassy in Manila and file a claim.
Thanks sir Ed
Can I prove the 10 years with coming on marriage through him me on Insurance as his wife?
I'm sorry I don't understand your question
Can I prove the 10 years of marriage through him putting me on his insurance health insurance before and after as is wife, even though we weren’t legally married yet?
If a spouse has started receiving ss and SSI before 62 can they file spousal benefits once they turn 62?
If they are receiving SSI (welfare benefit), they have to file for any other benefits available to them.
they took my wifes away from me when she died because imade $10 a month more than her..... Just wrong!!!!!!!!!!!!
Sorry to hear that.
Sorry to hear that. But when one spouse dies, the lower benefit always goes away… and whichever spouse lives on, keeps the higher benefit.
It ‘s cheaper to keep her😂
Lol