I just got this from my ex passing this year! Took SSA a while to understand the unique differences as you clearly stated. They even denied me and stated I wasn't the widower spouse, I knew I was divorced. Two weeks later I was approved!
Thank you, 90 Days From Retirement, for another outstanding UA-cam video! The complexity of Social Security can never be overstated..It’s like nuclear fission and Chaos Theory had a baby.😂
@@Theretirementnerds Hi '90 Days From Retirement', 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 '90 Days From Retirement'
So, I just started receiving my Social Security benefits. I'm 62 and never remarried after my divorce. My exwife pasted away 12 years ago at the age of 45. How do I file for Survivor Benefits? Do I need a Death Certificate? I have the marriage license and the divorce papers.
Few things here: 1. Your marriage to that previous spouse must have lasted at least 10 years. 2. Assuming #1 is true, you would file with the Social Security office. You would need your marriage license and divorce decree. 3. If you filed for your own first, that could throw a wrench in things. My email is erik@90daysfromretirement.com if you want to send me a message and our team can go through that with you. Never costs anything to talk about Social Security.
I read the other day from a link another person posted that sent me to the SS website that said you could be married and able to draw SS from spouse that had passed away. So no need to divorce and remarry. I hope it's true. It's a battle to get a thing from SS.
If you remarried after 60, yes. If you remarried before 60, and are still married to the 2nd spouse, you don't get to go off the deceased spouse, just the current spouse.
I’m learning a lot from your videos. Thank you. My question is regarding survivor benefits. If I am drawing my own SS and then my spouse dies. Can I switch to his higher SS amount as a survivor?
@@Theretirementnerds: But is there any reduction from the 100% if she originally claimed at 62, or is there an automatic reset to 100% if she since has passed her full retirement age. For example, if she claimed her retirement at 62 then switched to ex-spousal benefits at 63 but was 75 when he died, do the earlier ages impact the survivor benefit amount or is that reset to 100% by her exceeding FRA at time of beginning survivor benefits? Nobody seems to know.
Hi my name is Gladys Alicea, I was married for 25 and now divorced 19 yrs ago. I've been on SSDI benefits. I'm 64 not married and my ex is on SSDI as well. I'm entitled to any of his benets. He worked longer than me. Thank you in advance.
For a surviving spouse: Does the age at which the surviving spouse drew individual benefits affect the later survivor benefit? Example: Say John & Jane remain happily married and each draw individual benefits. Then when he's 85 and she's 75, he passes away and she switches to survivor benefits. Would it matter if she'd started collecting individual benefits at age 62, 66, or 70?
Great question! With survivor benefits, it's whatever the deceased benefit was is what the surviving spouse receives. So, if the deceased spouse took benefits early, that reduced amount is the survivor benefit. If the deceased spouse waited and let SS grow, that would be the amount available to the surviving spouse (or the surviving spouse's own benefit, whichever is larger). Does that help?
@@Theretirementnerds : No. The answer first NOT help. Of the older, higher earner retired at full benefits (or even reduced benefits) and the younger ex-spouse retired one year short of full benefits, how diesctge younger ex-spouse's initial retirement age impact the ex-spousal and survivor benefits? Does the younger ex-spouse get ALL categories of benefits reduced by 1 year or does the younger ex-spouse get 50% and 100% despite the reduction to individual benefits? Nobody seems to know.
Wow! I always new about the spousal benefit, I never new about the survivor benefit. Thank you for this information. Question clarification. If a person takes survivor benefits can they delay their own social security? I know they can not delay if born after 1954 and take spousal.
I filed at 62 divorced over 10 yrs now I never remarried. SS says I have to draw my SS and 200.00 of his. I never got an option to take half of his which is more then Im getting now. Are they right?
Eddie! For some reason, the notification didn't come up on this. So sorry it's taking so long to get back to you! If you and your spouse have a social security benefit, then you fall under the same rules :) You should be good to go.
What happens if you remarried but the 2nd spouse dies before you turn 60? Would you be able to choose which one to draw off of? How would you find out which way to file would pay more?
Thank you. This is very helpful. Just to be clear. My spouse and ex spouse can earn my delayed earning credits at 70 as survivor benefits. Provided they’ve reached their PIA and the length of marriage requirements have been met. Is this correct?
Ok Question about spousal benefits. What if I ex-wife worked for the government last 18 years would they still take out like they do out of what I receive now? And think it’s called WEP. Ps I have never remarried.
my ex is 10y younger. .we divorced in 2012 after 10 y of marrige..!! he,s 56 , I,m 66..! he s not collecting yet SS benefits..!! do I need to wait until he turns 62 to apply..?/ Thanks
Question. Half my SS benefit at my FRA is 1891.00. Which is more than my ex spouse’s full amount at her FRA. However, she doesn’t reach her FRA for another 8 years. Is she subject to colas between now and her FRA on half of my SS? Or is that 1891 a month set in stone?
Yes, you can. A few asterisks around that. You need to have been married to that ex spouse for at least 10 years. You can't have remarried before age 60 (and still be married to the new spouse). If you remarried before 60 and divorced that spouse, still okay. Does that make sense?
Hello Sir, im a Filipina widowed of American citizen husband, We married for 5 years when he died, im 56yrs.old. And not working in USA. Am i entitled for my husband social security?
Hello :) The first hurdle you will need to pass is to have resided in the US for 5 years WHILE married to your husband. If you didn't, you won't be entitled to benefits as a non-citizen spouse. If you did, there are a few more things you would need to do. My email is erik@90daysfromretirement.com Send me an email and I can get you to the right people.
How much of the deceased ex spousal social security would one get? Would it be 100% of what they are currently getting , or would it be 50% of their social security as long as their social security was more than the survivoring exspouse?
It could. If the employer, in this case the school district or government entity does not contribute the SS portion of FICA taxes throughout your career, then yes. We hope to put out a video on this in the next week or two.
It's confusing. I'm divorced (18 years of marriage), and ex-spouse passed away 5 years ago at the age of 58, so he never claimed his benefits. Can or can't I claim survival benefits? TIA
You can assuming the following.. -You are 60 or older -If you remarried, it happened after you turned 60. -If are under FRA, your income is within the right range. If over 21k, they will take back $1 for every $2 over the limit. -If you take SS at your FRA, you will get 100% of his PIA even though he never filed.
So that means I cannot draw my deceased ex husband's SS at 60 if I continue to work full time and if my SS at FRA is more than his, I get nothing from his? That doesn't seem fair. We were married in 1990, divorced in 2005 and he passed away this year before drawing his benefits. He was 62 and was born in 1960.
I was married 18 years. We have been divorced 20 years. I am 63. My ex is 75. I have not starting taking my SS yet. If I file on my ex and wait until I am 70 to file on my own will I get the full credit for waiting until 70?
No. Yours will not continue to grow for you to switch over if you're taking an (ex) spousal benefit. If he were deceased, a survivor benefit would work more along the lines of what you're thinking.
Was Married 17 years I'm single 63 and SS told me I would only receive $30 of my Ex spouse who is 68 retired military, retired Govt and he is also single. Is this correct??
If I take my share of ex husbands at 62 then he dies after I start to collect can I go back and get ex spousal survivor benefits which would be more? If so can I still keep earning on my own SS the max allowed.
Here's an answer. Quick disclaimer, you'll want to sit down with an advisor because there are some details here that will depend on your situation, but in general: Yes, you could take your divorced spousal benefit at 62 (it would be reduced because you are not FRA) and then, if your ex dies, you could step up to the full survivor benefit at your FRA. This all assumes you were married to this person for at least 10 years and you are currently unmarried. For your second question, need a little more clarification as to what you mean. If you are under your Full Retirement Age, you will have the earnings limit.
Can you please explain me if I will apply in my fool retirement age for 50% my husband s security benefits and I will still work for 2 years Can I later on 69 switch to my security benefits, because my will be much higher. Thanks
Unfortunately, no. It used to work this way, but they did away with this ability several years ago. Once you apply, your benefits stop growing, whether you take your own or your husband's.
I was married for 12 years. That marriage ended in divorce. I remarried before the age of 60 and am divorced from that marriage as well. It lasted 5 yrs. Am I able to draw SS from my first husband (he is receiving retirement benefits)? I am just a few months from being at full retirement age. I read that if the marriage (2nd marriage) ended by death, divorce or annulment, I could draw from my first husband. Is this true? Just want to make sure. Thank You!
Hi Janet, Thank you for watching. Which benefits? Divorced Spousal (your ex is still alive), Divorced Survivor (your ex has passed away), or Survivor (you are a widow)? As to the waiting until 67, there is a lot that goes into that decision. Your current finances/income, savings, investments, and other assets, your spouse (or ex), your health both now and expected, current employment, and several other factors. If anyone tells you what age to start Social Security without knowing that list, they don't know what they're doing. We'd always recommend working with a financial professional who understands Social Security to figure out the answer to that question. Most won't charge you anything for that kind of advice. So, if you have that person in your life, use them. If you don't, we're happy to take a look, again, at no cost to you. My email is erik@90daysfromretirement.com
I really need help with this. Do you offer professional services to help an individual navigate this. I am really feeling overwhelmed trying to work with Social Security Administration on this.
What if we were only married for five years, and he ended up dying 10 years later. We also had a child he was eight years older than I was. I am now 65.
Timing is important here. If you remarried BEFORE age 60, you can't take the ex-spouse's spousal benefit. If you remarried AFTER age 60, you have a choice between the two. This video is long, but it goes through situations like that: ua-cam.com/video/VHHNYdpVwrU/v-deo.html
so if my husband dies before his full retirement age of 66 and ten months (and wasn't collecting s.s. yet) I can get his primary retirement age benefit if I wait till my FRA to start collecting benefits? I am eleven months younger than he is. He's turning 65 in a few months but is trying to hold off collecting his benefits. I don't collect s.s. yet either.
Im 62 and SS told me I had to draw my own and they added $200 of his (my ex). This doesn’t seem right to me. I never remarried he is FRA and 77 yrs old..married 23 yrs. Does this seem correct to you?
They can't force you to take it when you don't want to. Without knowing much of your financial situation, it may or may not have been the most effective strategy for you. Depends on a few factors. It sounds like half of his benefit was more than all of your personal benefit if it added $200.
If my ex spouse started collecting early at 62 and passed away at 66, can I wait until I am 67 to collect and would I get what he was collecting at time of death or would I get his FRA if we would have waited until 67...or is it 82.5% of his FRA amount...or whatever amount is higher?
You are entitled to a percentage of the amount your spouse was collecting based on your FRA as long as you did not remarry before age 60 (and still married to the next spouse). While collecting survivor benefits, you can let your personal benefit grow. Usually, the recommendation is to take Survivor benefits if available and then switch to personal at 70 if the personal benefit outpaces the survivor benefit. There are exceptions of course and it is an individualized thing. Happy to look at it for you if you want. Erik@90daysfromretirement.com is my email.
I watched a lot of videos, this was by far the best explanation, presentation helped a lot, thanks!
So glad it was helpful! Thank you for watching!
I just got this from my ex passing this year! Took SSA a while to understand the unique differences as you clearly stated. They even denied me and stated I wasn't the widower spouse, I knew I was divorced. Two weeks later I was approved!
One of the best explanations I’ve seen
Thank you so much!
These are good educational videos, especially for the military widows. Thank you.
I'm 100% sure she wins way more than me, thank you
Good news is that these benefits don't even need to be discussed with the ex spouse :)
Very helpful and clear. Thanks. 👍 ❤
Thank you for watching!!
Thank you, 90 Days From Retirement, for another outstanding UA-cam video! The complexity of Social Security can never be overstated..It’s like nuclear fission and Chaos Theory had a baby.😂
Thank you David! So many nuances that it feels impossible to keep these to less than an hour long... and even then... there would be an exception.
@@Theretirementnerds Hi '90 Days From Retirement', 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 '90 Days From Retirement'
@ankh111 yes, you should be good if your marriage lasted 10 years and wasn't terminated that first time.
I never remarried....
Thank you
So, I just started receiving my Social Security benefits. I'm 62 and never remarried after my divorce. My exwife pasted away 12 years ago at the age of 45. How do I file for Survivor Benefits? Do I need a Death Certificate? I have the marriage license and the divorce papers.
Few things here:
1. Your marriage to that previous spouse must have lasted at least 10 years.
2. Assuming #1 is true, you would file with the Social Security office. You would need your marriage license and divorce decree.
3. If you filed for your own first, that could throw a wrench in things.
My email is erik@90daysfromretirement.com if you want to send me a message and our team can go through that with you. Never costs anything to talk about Social Security.
I read the other day from a link another person posted that sent me to the SS website that said you could be married and able to draw SS from spouse that had passed away. So no need to divorce and remarry. I hope it's true. It's a battle to get a thing from SS.
If you remarried after 60, yes. If you remarried before 60, and are still married to the 2nd spouse, you don't get to go off the deceased spouse, just the current spouse.
I’m learning a lot from your videos. Thank you. My question is regarding survivor benefits. If I am drawing my own SS and then my spouse dies. Can I switch to his higher SS amount as a survivor?
Thank you for watching :)
Yes, you can switch to his higher amount as a survivor!
If you are not yet to your FRA, you may want to wait until you reach your FRA to get the full 100% benefit of a deceased spouse.
@@Theretirementnerds: But is there any reduction from the 100% if she originally claimed at 62, or is there an automatic reset to 100% if she since has passed her full retirement age.
For example, if she claimed her retirement at 62 then switched to ex-spousal benefits at 63 but was 75 when he died, do the earlier ages impact the survivor benefit amount or is that reset to 100% by her exceeding FRA at time of beginning survivor benefits?
Nobody seems to know.
Hi my name is Gladys Alicea, I was married for 25 and now divorced 19 yrs ago. I've been on SSDI benefits. I'm 64 not married and my ex is on SSDI as well. I'm entitled to any of his benets. He worked longer than me. Thank you in advance.
Yes, you can look at whether or not a percentage of his benefit is more than your personal benefit.
For a surviving spouse: Does the age at which the surviving spouse drew individual benefits affect the later survivor benefit? Example: Say John & Jane remain happily married and each draw individual benefits. Then when he's 85 and she's 75, he passes away and she switches to survivor benefits. Would it matter if she'd started collecting individual benefits at age 62, 66, or 70?
Great question! With survivor benefits, it's whatever the deceased benefit was is what the surviving spouse receives. So, if the deceased spouse took benefits early, that reduced amount is the survivor benefit. If the deceased spouse waited and let SS grow, that would be the amount available to the surviving spouse (or the surviving spouse's own benefit, whichever is larger).
Does that help?
@@Theretirementnerds That helps a lot. Great video, thank you!
@@Laura-kb5sr thank you for watching!
@@Theretirementnerds : No. The answer first NOT help. Of the older, higher earner retired at full benefits (or even reduced benefits) and the younger ex-spouse retired one year short of full benefits, how diesctge younger ex-spouse's initial retirement age impact the ex-spousal and survivor benefits?
Does the younger ex-spouse get ALL categories of benefits reduced by 1 year or does the younger ex-spouse get 50% and 100% despite the reduction to individual benefits?
Nobody seems to know.
Wow! I always new about the spousal benefit, I never new about the survivor benefit. Thank you for this information. Question clarification. If a person takes survivor benefits can they delay their own social security? I know they can not delay if born after 1954 and take spousal.
Thank you for watching!
You can take Survivor benefits as early as 60 and let your own personal benefit grow and take that later 🙂
How many years you have to marry to your spouse before they decease to collect their social security benefits
Dear sir...I was married for 20 years.. my ex husband died when he was 71....I will be turning 60 this year...can I collect survival benifits 😮
Yes, you can. Saw your comment that you never remarried.
Thankyou
I filed at 62 divorced over 10 yrs now I never remarried. SS says I have to draw my SS and 200.00 of his. I never got an option to take half of his which is more then Im getting now. Are they right?
In my case I'm living in Puerto Rico 🇵🇷 🇺🇸 could it be possible that the regulations could be different here in Puerto Rico 🇵🇷
Eddie! For some reason, the notification didn't come up on this. So sorry it's taking so long to get back to you!
If you and your spouse have a social security benefit, then you fall under the same rules :) You should be good to go.
@@Theretirementnerds we are us territory
@@eduardooramaeddie4006 Yes, and paying into SS/Medicare through FICA
@90DaysFromRetirement yes I was born in New York city, Manhattan 🇺🇸🌎
Are survivor benefits reduced for a surviving spouse who started a spousal benefit before FRA?
No! As long as the survivor waits to take survivor benefits until FRA they won't be reduced due to early filing for a spousal benefit.
What happens if you remarried but the 2nd spouse dies before you turn 60? Would you be able to choose which one to draw off of? How would you find out which way to file would pay more?
Thank you. This is very helpful. Just to be clear. My spouse and ex spouse can earn my delayed earning credits at 70 as survivor benefits. Provided they’ve reached their PIA and the length of marriage requirements have been met. Is this correct?
Correct, and assuming they did not remarry before age 60
Ok
Question about spousal benefits. What if I ex-wife worked for the government last 18 years would they still take out like they do out of what I receive now? And think it’s called WEP. Ps I have never remarried.
my ex is 10y younger.
.we divorced in 2012 after 10 y of marrige..!! he,s 56 , I,m 66..! he s not collecting yet SS benefits..!!
do I need to wait until he turns 62 to apply..?/
Thanks
Thank you!
Thank you for watching!
Question. Half my SS benefit at my FRA is 1891.00. Which is more than my ex spouse’s full amount at her FRA. However, she doesn’t reach her FRA for another 8 years. Is she subject to colas between now and her FRA on half of my SS? Or is that 1891 a month set in stone?
He potential spousal benefit is solely based on your PIA and her FRA. Once she starts taking benefits is when she starts getting COLAs.
Can I collect a decease ex-spouse benefits if I am already collecting on my own and his is greater?
Yes, you can. A few asterisks around that.
You need to have been married to that ex spouse for at least 10 years.
You can't have remarried before age 60 (and still be married to the new spouse).
If you remarried before 60 and divorced that spouse, still okay.
Does that make sense?
Hello Sir, im a Filipina widowed of American citizen husband,
We married for 5 years when he died, im 56yrs.old.
And not working in USA. Am i entitled for my husband social security?
Hello :)
The first hurdle you will need to pass is to have resided in the US for 5 years WHILE married to your husband. If you didn't, you won't be entitled to benefits as a non-citizen spouse. If you did, there are a few more things you would need to do.
My email is erik@90daysfromretirement.com
Send me an email and I can get you to the right people.
Thank you for your response Sir, i appreciated.
I lived for 3 months only in USA then me and my American husband live in Philippines.
Is there any option Sir for me as a widow living in Philippines.
How much of the deceased ex spousal social security would one get? Would it be 100% of what they are currently getting , or would it be 50% of their social security as long as their social security was more than the survivoring exspouse?
Does teacher pension affect spousal benefits?
It could. If the employer, in this case the school district or government entity does not contribute the SS portion of FICA taxes throughout your career, then yes.
We hope to put out a video on this in the next week or two.
It's confusing. I'm divorced (18 years of marriage), and ex-spouse passed away 5 years ago at the age of 58, so he never claimed his benefits. Can or can't I claim survival benefits? TIA
You can assuming the following..
-You are 60 or older
-If you remarried, it happened after you turned 60.
-If are under FRA, your income is within the right range. If over 21k, they will take back $1 for every $2 over the limit.
-If you take SS at your FRA, you will get 100% of his PIA even though he never filed.
So that means I cannot draw my deceased ex husband's SS at 60 if I continue to work full time and if my SS at FRA is more than his, I get nothing from his? That doesn't seem fair. We were married in 1990, divorced in 2005 and he passed away this year before drawing his benefits. He was 62 and was born in 1960.
I was married 18 years. We have been divorced 20 years. I am 63. My ex is 75. I have not starting taking my SS yet. If I file on my ex and wait until I am 70 to file on my own will I get the full credit for waiting until 70?
No. Yours will not continue to grow for you to switch over if you're taking an (ex) spousal benefit. If he were deceased, a survivor benefit would work more along the lines of what you're thinking.
Thank you so much. That's what I thought and that's why I hadn't filed yet
@@LeisurelyLorrie great question! Thank you for watching and asking 🙏
Was Married 17 years I'm single 63 and SS told me I would only receive $30 of my Ex spouse who is 68 retired military, retired Govt
and he is also single. Is this correct??
If I take my share of ex husbands at 62 then he dies after I start to collect can I go back and get ex spousal survivor benefits which would be more? If so can I still keep earning on my own SS the max allowed.
Here's an answer. Quick disclaimer, you'll want to sit down with an advisor because there are some details here that will depend on your situation, but in general:
Yes, you could take your divorced spousal benefit at 62 (it would be reduced because you are not FRA) and then, if your ex dies, you could step up to the full survivor benefit at your FRA. This all assumes you were married to this person for at least 10 years and you are currently unmarried.
For your second question, need a little more clarification as to what you mean.
If you are under your Full Retirement Age, you will have the earnings limit.
Can you please explain me if I will apply in my fool retirement age for 50% my husband s security benefits and I will still work for 2 years
Can I later on 69 switch to my security benefits, because my will be much higher.
Thanks
Unfortunately, no. It used to work this way, but they did away with this ability several years ago. Once you apply, your benefits stop growing, whether you take your own or your husband's.
I was married for 12 years. That marriage ended in divorce. I remarried before the age of 60 and am divorced from that marriage as well. It lasted 5 yrs. Am I able to draw SS from my first husband (he is receiving retirement benefits)? I am just a few months from being at full retirement age. I read that if the marriage (2nd marriage) ended by death, divorce or annulment, I could draw from my first husband. Is this true? Just want to make sure. Thank You!
Yes, you can from your first husband. Hope that helps! :)
Can you get survival benefits if you are still working at you retirement age?
Yes! If you are over FRA, you can claim survivor and continue working 🙂
What are the exception for the 9 month married length
What if I get remarried after I have claimed those benefits? And should I wait until age 67?
Hi Janet, Thank you for watching.
Which benefits? Divorced Spousal (your ex is still alive), Divorced Survivor (your ex has passed away), or Survivor (you are a widow)?
As to the waiting until 67, there is a lot that goes into that decision.
Your current finances/income, savings, investments, and other assets, your spouse (or ex), your health both now and expected, current employment, and several other factors.
If anyone tells you what age to start Social Security without knowing that list, they don't know what they're doing.
We'd always recommend working with a financial professional who understands Social Security to figure out the answer to that question. Most won't charge you anything for that kind of advice. So, if you have that person in your life, use them. If you don't, we're happy to take a look, again, at no cost to you.
My email is erik@90daysfromretirement.com
I really need help with this. Do you offer professional services to help an individual navigate this. I am really feeling overwhelmed trying to work with Social Security Administration on this.
We help with strategies, helping to determine when to take SS. My email is erik@theretirementnerds.com
What if we were only married for five years, and he ended up dying 10 years later. We also had a child he was eight years older than I was. I am now 65.
Unfortunately, in order to get survivor benefits off an ex-spouse, you need to have been married for at least 10 years.
What if I was divorced and re married for a total of 10 years?
Timing is important here.
If you remarried BEFORE age 60, you can't take the ex-spouse's spousal benefit.
If you remarried AFTER age 60, you have a choice between the two.
This video is long, but it goes through situations like that:
ua-cam.com/video/VHHNYdpVwrU/v-deo.html
Whats the age for divorce spousevif disable
so if my husband dies before his full retirement age of 66 and ten months (and wasn't collecting s.s. yet) I can get his primary retirement age benefit if I wait till my FRA to start collecting benefits? I am eleven months younger than he is. He's turning 65 in a few months but is trying to hold off collecting his benefits. I don't collect s.s. yet either.
Yes, the way you said it is correct 👏
So in this example John would not benefit in any way from the spousal benefit since he made much more?
Correct. In this example, the spouse with the higher PIA doesn't benefit from the spouse with a lower PIA.
@@Theretirementnerds thank you for your reply. New sub here.
@@southduck thank you so much! We work hard to make sure that sub is worth it to you. Appreciate you!
Does social security already knows about this, we are both over 60 years old, i didn't remarried
You'll indicate this information when you apply for Social Security, so they'll know that way :)
@90DaysFromRetirement thank you, great 👍 job Eddie Puerto Rico 🇵🇷🇺🇸
Im 62 and SS told me I had to draw my own and they added $200 of his (my ex). This doesn’t seem right to me. I never remarried he is FRA and 77 yrs old..married 23 yrs. Does this seem correct to you?
They can't force you to take it when you don't want to.
Without knowing much of your financial situation, it may or may not have been the most effective strategy for you. Depends on a few factors.
It sounds like half of his benefit was more than all of your personal benefit if it added $200.
Yes my exwife doesn't get anything when she remarried. 😆😀🥇😀🥇
If my ex spouse started collecting early at 62 and passed away at 66, can I wait until I am 67 to collect and would I get what he was collecting at time of death or would I get his FRA if we would have waited until 67...or is it 82.5% of his FRA amount...or whatever amount is higher?
You are entitled to a percentage of the amount your spouse was collecting based on your FRA as long as you did not remarry before age 60 (and still married to the next spouse). While collecting survivor benefits, you can let your personal benefit grow. Usually, the recommendation is to take Survivor benefits if available and then switch to personal at 70 if the personal benefit outpaces the survivor benefit. There are exceptions of course and it is an individualized thing. Happy to look at it for you if you want. Erik@90daysfromretirement.com is my email.