Great information! Could you get together on your sound on the next one? One of you are really loud and the other I can barely hear. I'm having to constantly change the volume!
Agree. Dark blue shirt guy had a huge mic in front of him-great sound. Plaid shirt guy had no visible mic and his voice was faint. Seems like an easy fix-get one of those big mics right in front of your mouth 😂💜
Thank you for sharing this information~Subscribed and looking forward to watching other videos! Your presentation allows oneself to understand, apply and retain the rules by your forming them in an organized and chronological order.
RECORDING QUESTION: Is it possible to for you guys to PLEASE go back & either boost the volume of the recording for the left speaker or reduce the volume of the recording of the speaker on the right (who's talking on a microphone)? This is all great info but it's almost unbearable to listen to it because if I maintain the correct volume for the left speaker then the speaker at the microphone is so booming loud it's ridiculous!!!
Sorry about that. We definitely had some audio quality issues when we switched to video recordings from our traditional podcast. Each week we try to improve our quality. This is an early video, but definitely a popular video, so perhaps we'll redo it with better quality equipment. Thanks for listening despite these issues! Check out our Social Security playlist: ua-cam.com/play/PLOVSZj3M-4SK-ypBp97bmEqe8h2pCJcfm.html
With respect for your overall knowledge, this video significantly confuses the important rules affecting filing. It’s perhaps the result of your effort to answer the questions you’re commonly asked. However, the shifts in focus, the disjointed nature of your delivery of info made it difficult to follow any of the specifics. I wish you’d laid out each rule and any provisions individually.
Hello. So nice to have found you. And WOW. I HAVE LEARNED ALOT ALLREADY! Thank you I have a son 35 yrs old with disability and collects SSI , & SSRD Question- is able to collect anything on his fathers SS. When the time comes ? Thank you for your help !
Glad you are benefiting from these podcasts. If your child was disabled before 22, perhaps there will be an increase based on a parent. More here: www.ssa.gov/people/parents/
If anyone is still watching this, fyi… if you stayed home to take care of kids, you will have 0 for the years you did not work. Bring that up to a lawyer when you divorce. Your retirement will most likely be substantially lower than his. I was home with kids 10 years, so had to use college summer earnings as part of my calculations. Not great!!!
@@Dolphinfinancialgroupfl ya, so if a gal retires at 62 and spent 10 years home with babies, her SS is now based on a few high school or college years. A divorce should give her more assets to compensate.
Thank you so much for such great info, I will keep you in mind and will definitely tell my daughter. She is fifty and divorced makes no sense for her to get re-married to another looser and loose your SS benefits. You got think. Today peoples married dont last very long
I have 18 years marriage to my first husband where I was a stay home and no SS contribution, divorced and remarried,become a widow.I got widow's benefits now and learned he collected before his fra so it's very low less my part B medicare.Could I collect spouse retirement benefits from my ex?
Thank you for this video. It helps make sense of some of the retirement rules. My situation is a bit different than most who are at retirement age. I was married for 16 years to my ex-spouse and have been on disability since 2002. Because I was a stay-at-home mom, my work record is limited. Can I apply for the ex-spouse benefit now? I am sure it would be more than what I currently receive. I will be 64 in December, and he is 65 in October.
I was married for 15 years we both were eligible he did make good money and I only got an extra $15 so to me it really wasn’t worth it unless somebody made a mistake
$15 is better than nothing, but It also sounds like you'd qualify for a Survivor Benefit that is much higher than your own if your ex-spouse predeceases you.
My ex-husband is deceased. At the time of divorce I signed away his social security. We were married 12 years. Is it possible recto try to change this.
If you are entitled to Social Security based on an ex-spouse, then you will receive those benefits. A divorce decree doesn't stop the SSA from paying you.
I’m on ss disability and long term disability which runs out at 65yrs age. So I would get 50% of exes ss calculated through till date of recorded signed divorce decree but if he dies I get 100% of his retirement up through date of divorce. I figure i have to stay on my social security until he dies and make extra income some way to make up difference.
This is why it is important to keep tabs on ex-spouses. You may qualify for Survivor Benefits when the ex passes away: ua-cam.com/video/02A1HiO2A2U/v-deo.html
I was married 44 years but didn’t live together for 42 years. I got a divorce but remarried a much younger man. Now I’m screwed because I got remarried.
I'm divorced after being married for 10 years. I'm trying to figure out a way to tell what benefits I might get from my ex spouce. On the SS site, it seems I can only apply for the benefit, but can't see what amount I might receive. Do you know a way to tell if I have all the documentation?
Besides communicating with an ex-spouse and doing some rough calculations, you will have to contact SSA. For either a spousal benefit or a survivor benefit based on an ex-spouse, the SSA is the only place you can get your answer. Give them a call.
Please clarify, if married less than 10yrs..but lived together 5yrs prior (+10yrs total). I haven't remarried & ex-spouse died. We were in CA, which is common law state.
The SSA does recognize common law marriage as it relates to Social Security. You would have to discuss your situation with SSA. www.ssa.gov/OP_Home/handbook/handbook.17/handbook-1717.html
This is confusing. So you get your own benefits plus in effect a booster. So my I apply at 62 and my benefit is $1,100. my spouse gets at Full Retirment $2500*33% (since I applied early) = $825. I would take my $1100 +825 = $1925 for my benefit? is the the right way to calculate generally.
No. You get your own benefit and, if the spousal benefit is higher than your own, you get an increase up to the spousal benefit. You basically get your own OR half of your spouse's.
My ex will be 62 next year. I can draw on his SS then? Will it be half the “reduced” amount? I am older..already over 66, so wondering if I could just get half then?
Once your ex-spouse is eligible for benefits, you could qualify for a spousal benefit. You have to have been divorced for at least two years (unless your ex claims at 62). The amount you'll received will be 50% of the ex spouse's full retirement age benefit...reduced if you claim before your full retirement age. You should contact the SSA next year to see if this will lead to an increase in your benefits. Remember, you get either your own benefit or a spousal benefit if it is higher. You don't get both totaled together.
I was married for 14 years. My ex worked for the county during that time which had a pension which as part of the divorce I waived my percentage as part of the sale of our house settlement at the time. When I turned 65 I looked into getting half of his soc sec and was told he didn’t get soc sec as part of his pension agreement. Have you ever heard of such a thing? Why would a pension collected from the county block soc sec?
Yes. There are many state and local government employees that are covered by a pension rather than Social Security. The local government is putting money toward the pension, NOT into Social Security.
@@Dolphinfinancialgroupfl Yes, and then we get screwed (because of WEP) and get our SS reduced (I have heard they reduce by 1/3) because we get State/County/City Pension. Even when it was not concurrent when paying into Pension.
I have been getting mails from SS office because my early retirement is next year, but my benefits is pretty small because I was only working part time when I married my ex. Who would decide if I should get my own early retirement or my ex retirement? My ex should be 66 next year and we were married for over 10 years. Btw, I have all of the information about him. Thank you
i took my retirement at 63, will I still be able to take half of his retirement or will I be penalized for retiring early and not be able to collect on half of his retirement
By "retirement," do you mean Social Security? If you took Social Security at 63, you are locked in to a reduced benefit, including a Spousal Benefit. You can contact the SSA to see if you are eligible for a spousal "step-up" on your current benefits.
My Ex “waited” until now, to get his social security , he is AGE 70! I filed when I was 62,(with a penalty of 30% less), for taking it early! I am going to file for the 50% of his soc sec, so will they use his CURRENT AMOUNT? Or the amount his soc sec would have been at his full retirement age (66)? Thank you
This is a common question. Spousal benefits do not include Delayed Retirement Credits (DRCs). In your case, the spousal benefit would be based on his Full Retirement Age benefit (and your age). That said, Survivor Benefits use a different formula and include DRCs. So you'd get the full amount if you qualified for Survivor Benefits if your ex-spouse died.
My husband ex wife is claiming his ss and she took it early. But here is the thing she the ex wife did remarried for a short time and I’m guessing she got a divorced
What happens if someone was married for 10 years, remarried for a short time and divorced again before the age of 60 then claimed on their own benefit at age 62. My friend was told that she could not claim on her first husband's benefit but I think she was misled and should have been able to file to get half of his at least until her full retirement age. Now she's almost 75 and she's impoverished because her benefit only gives her a little over $1,000 a month she has no savings. I don't know if her husband's made more than half of what she's getting though and she refuses to ask Social Security about the situation again.
She may be eligible for a spousal step-up in benefits based on her ex-spouse's age and benefit. It's worth a call to SSA. Also, if her ex passes, she could get a Survivor Benefit if his benefit is higher.
We were married for 11 years. My ex-husband never helped me after the divorce. He is older than I am and is over 62, Can he still take my social security? Will it affect the amount when I apply?
Maybe. She might get her own benefit or spousal benefits from you. However, she may also have to deal with a Government Pension Offset (GPO) calculation and reduction.
You can apply for a combination of benefits, but you still only get one benefit at a time. You should contact Social Security to see if your benefit would increase based on your spousal benefit.
So, since I was eligible from the day my EX turning 62, April 10, 2020, (as I am Disabled and over 50, and was divorced over 2 years), shouldn't Social Security GO BACK TO THAT DATE AND MAKE THE PAY RETROACTIVE SINCE THE AGENT LIED TO ME?
It seems that Social Security allows for retroactive benefits only if you are past your full retirement age. You'll have to work directly with Social Security to resolve your issue if you are past your full retirement age.
@@Dolphinfinancialgroupfl Sir. I have another question for you if you don’t mind answering it. Question: my ex-deceased husband got married on 02/29/1992. We separated on 02/05/2000. We were married eight years 1 Months. The marital status ended on January 02, 2003. Which took it took three years to complete. Will I still receive survivor's benefits since it took three years to be finalized? I hope I’m making sense again, lol. I have a telephone appointment this month with the social security department. I'm 72, and if im eligible, will I get his total amount
SSA will request a copy of your marriage certificate and divorce decree. If there is 10 consecutive years between those two, then you should be entitled to Survivor Benefits. How much of the Survivor Benefit you get will depend on your age when you claim.
@@Dolphinfinancialgroupfl Thank you again for taking out the time to answer all of our redundant Questions you have a lot of patience with us, and if I could, I would take you out for lunch. I will let you know the outcome of everything after I’m approved or not approved. I think it would be nice and out of respect to let you know because you have been very patient with all of us. Have a great rest of your week, sir, and thank you again.
What if you get remarried and divorced again? Can I apply for my ex who has the highest benefit or just the last ex’s benefits if married for at least ten years?
You can claim against a military ex-spouse. The benefits will depend on the amount put into the system by your ex. You'll have to contact SSA to determine benefits.
If you are divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record.
Re: the statement that I receive in the mail every year or 2: it shows my projected monthly amount. Does this amount take into account my over 10 year marriage? Does the SSA even know that I was married? It seems to be taking only my earnings into account when determining my monthly benefit because the statement only shows my earnings every year, not my ex husband's. Not that it matters, but I have no idea whether he is dead or alive, but probably alive. I told my lawyer when I filed after my husband left me after our 9th anniversary to not let it finalize until after our 10th anniversary. This was about 22 years ago.
You seem to assume there is a windfall coming to you. Nope. Most likely, 100% of your own will be much more than 1/2 of his. You can go to your local SS office with his SS number to see what amounts you are eligible for. My ex made a lot, like 400k/ yr. I was a teacher. My 100% was much better than 50% of his. And at 62, you get even less than his 50%.
@@mommaoinnh2674 you'll get 100% of his benefits if you were married for 10 years or more when he passes. Providing you are at your full retirement age.
@@robinlooney5440 He is 67, & still working, making big bucks because he has a 16 yr old. I’m almost 67 & retired, getting my 100% SS from teacher salary instead of his 50% of the max amount. I don’t want to wish anyone any ill will, however - - if he were to leave this planet, I’d be a happier person! We were married 18 years. His current wife is at 18 years with him too. Would she get his 100%, or would I? She is a lawyer, working still, making big bucks. I have no regrets retiring when I could, getting a pension and SS.
So Jane let us know…. Did you go to the SS office to find out? They will know if he is dead or alive. They can find him. Your yearly statement is only your numbers and won’t show you the option of half his.
Can I get remarried If I'm 62 and drawing my exs social security? Will it mess with my social security check that I get from my ex?my ex is still living
It may impact your benefit. Your spousal benefit will be tied to your new current spouse, which may be lower than your benefits based on your ex-spouse. Your benefits from your new spouse may be higher or zero, depending on their age and benefits. However, you do retain access to the SURVIVOR benefits from your ex-spouse should they pass away and are higher than your other options.
Are survivor benefits means tested? I was married to my ex spouse for 15 years. We divorced in 2005. I never remarried. He passed away in May of 2023. He was 62 and had not filed for benefits. (He was born in 1960.) I can draw his at 60, but what if I decide to continue working full time? He never helped me after the divorce to raise our daughters and the courts let him skip right by.
If you were married to him at the time of death you may get a Survivor Benefit when you qualify. More on Survivor Benefits here: ua-cam.com/video/02A1HiO2A2U/v-deo.html
Can you collect from your dead ex-spouse if you divorced after more than 10 years but remarried to someone else and divorced again from second spouse??? Also, I have my own social security plus I am entitled to State pension so I assume I will be in that Windfall scenario??? Unsure if I can get half of my first ex-spouse???
If you are claiming your own SS, then you should already have worked out the Government Pension Offset. As for claiming against your deceased ex-spouse, it sounds like you should be able to switch to Survivor Benefits if that makes financial sense as you are currently no longer married. Our next podcast addresses Survivor Benefits: ua-cam.com/video/02A1HiO2A2U/v-deo.html
@@Dolphinfinancialgroupfl I asked you a question a few weeks ago if I could get my ex deceased husband social security and you said I could, I got in touch with SS and the answer was yes like you said. Now my next question: what is the difference between retirement and Social Security. Would I be entitled to both? Thank you in advance for your answer. I hope I’m making sense again.
@@foreveryours7464 many people interchange the word retirement and social security. Retirement is different. Retirement would be a pension or other benefits from an employer, separate from Social Security.
What if your ex spouse was married previously and both of his ex wives were married to him more than 10 years? Are both ex wives eligible to claim 50%?
You can have multiple people claiming Social Security based on your own record. If it makes financial sense, both ex-spouses could claim against his record in this instance.
What if the spouse that would get spousal benefits was a civil servant and never met the SS requirments to recieve benifits? They did pay in a little just not enough.
If you have not worked or do not have enough Social Security credits to qualify for your own Social Security benefits, you may be able to receive spouse’s benefits. However, you may be impacted by the Government Pension Offset (GPO). www.ssa.gov/policy/docs/program-explainers/government-pension-offset.html
You can only claim one social security benefit at a time. With two qualifying ex-spouses, you could choose which has the higher financial impact for you.
Remarriage after age 60 doesn't impact your benefits from an ex-spouse, alive or deceased. You might even get a higher amount based on your new spouse.
It seems like the child would be eligible for benefits in this case. Here is a tool to help you determine eligibility: ssabest.benefits.gov/benefit-finder/
There are several rules here. Too many to go through. But remember that claiming a spousal benefit means you are claiming your own benefit and increasing it if the spousal benefit is higher. Here is a detailed list of rules:www.ssa.gov/benefits/retirement/planner/applying7.html
I have been divorced for ever !! Approximately over 30 years. I am on SSI but I don’t draw fromhim . After all these years can I get part of his SSI???
If you are claiming disability, you may get an increase if your benefit is less than half of your ex-spouse's. To claim against an ex, they must be entitled to SS, which is usually at 62. It's worth a call to SS.
How much of a reduction (%) should I anticipate when I draw off my ex husbands ss? I am just turning 61 and will need to draw early at 62. No way I can wait until I’m 67 to get the whole 50 percent. It will be his record only since I was a stay at home mom for 35 years. Been divorced 7 months, if that makes a difference. He will be taking his benefit very soon it seems at 66 yrs…but his FRA is 66 and 6 months. Just trying to get my ducks in a row. Thanks!
Married for 23 years, divorced in 2005. Still working and not filing for SS until full retirement age at 66.5 years in 2024. Ex-spouse remarried in 2008, divorced one year later in 2009. He is currently 75 and unmarried. Is he eligible for my social security benefit?
Your ex-spouse is either already collecting his own benefit or half of yours if higher. Since you're eligible to collect on your own, he could use your record if it makes financial sense. But it won't impact your own benefit.
It depends on your situation details. Are you currently claiming? Is your ex-spouse deceased? What is your own benefit and your Survivor Benefit based on your second spouse? You'll need to contact us to run a SS Report: www.dolphinfinancialgroup.com/contact-us.php
I don’t know how they give the social security the same amount to them weather they paid the tax or have not paid the tax? Why USG make the citizens to every body even they didn’t paid the tax and they get the same benefits like the tax payers? Is there any difference between the tax payers and who have never paid the tax? If it is then don’t you think that USG emphasizes them? I don’t know in which direction are we going Also the Green card holders mani of them they they don’t want to work because without working without paying any tax to USG they are getting all kind of benefits like they get the Adult day care free meals free medicine no doctors fee special home care nurse 50 percent fair discount special rides more over full Food stamps which the tax payers don’t get Also they get Cash then why they work If without paying any tax without working all kind of benefits they get Will UGS ? No comments thanks
I worked for the treasury department, retired at 60 and received the SSI payment to 62. At 62 I started receiving Social Security from my exes account, we had been divorced for over 10 years. I am 64 now and my full retirement age is 66 and 6 months(or 5?). My question is can I still collect from my exes benefits after my full retirement age? One more question, how does Medicare play into this?
Your benefits based on an ex won't change besides COLAs. However, if you ex dies, you may be able to switch to Survivor Benefits. Medicare starts at 65 for most people and your Social Security isn't impacted by Medicare besides payments being deducted from your SS.
@@Dolphinfinancialgroupflthank you. So basically, I should review at my full retirement age in case payment from my account would be greater. I should also keep an eye out for his death notice so I can switch to survivor benefits. Does that sound right? Do you have videos on Medicare?
@@medaily57 Your current benefit is your own, or 50% of your ex-spouses. The SS Office runs that calculation for you and gives you the higher amount. It seems like you won't be switching unless your ex-spouse dies and you switch from Spousal Benefits to Survivor Benefits. But, you should contact SS just to be sure about this. Regarding Medicare - you will find some useful Medicare videos in this Health Insurance playlist: ua-cam.com/play/PLOVSZj3M-4SKiAQE_AlTO4aW85H4-ySFl.html
We've revised this video to improve the sound quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.htmlsi=JSlc9k2u-TnQjttv
Great information! Could you get together on your sound on the next one? One of you are really loud and the other I can barely hear. I'm having to constantly change the volume!
Yes! We have been trying to improve our sound quality each week. We are getting closer to something everyone likes. Thanks for listening.
Agree. Dark blue shirt guy had a huge mic in front of him-great sound. Plaid shirt guy had no visible mic and his voice was faint. Seems like an easy fix-get one of those big mics right in front of your mouth 😂💜
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
Thank you for sharing this information~Subscribed and looking forward to watching other videos! Your presentation allows oneself to understand, apply and retain the rules by your forming them in an organized and chronological order.
Glad you found this info helpful!
RECORDING QUESTION: Is it possible to for you guys to PLEASE go back & either boost the volume of the recording for the left speaker or reduce the volume of the recording of the speaker on the right (who's talking on a microphone)? This is all great info but it's almost unbearable to listen to it because if I maintain the correct volume for the left speaker then the speaker at the microphone is so booming loud it's ridiculous!!!
Sorry about that. We definitely had some audio quality issues when we switched to video recordings from our traditional podcast. Each week we try to improve our quality. This is an early video, but definitely a popular video, so perhaps we'll redo it with better quality equipment. Thanks for listening despite these issues! Check out our Social Security playlist: ua-cam.com/play/PLOVSZj3M-4SK-ypBp97bmEqe8h2pCJcfm.html
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
First time washing your channel.Is very interesting
Thanks for your information 👍
Glad you found us interesting. We have a new video each week so stay tuned.
With respect for your overall knowledge, this video significantly confuses the important rules affecting filing. It’s perhaps the result of your effort to answer the questions you’re commonly asked. However, the shifts in focus, the disjointed nature of your delivery of info made it difficult to follow any of the specifics. I wish you’d laid out each rule and any provisions individually.
Do you have be married how long to get x husband check
@@clarajanegill27610 years. Vicki
Hello. So nice to have found you. And WOW. I HAVE LEARNED ALOT ALLREADY! Thank you
I have a son 35 yrs old with disability and collects SSI , & SSRD
Question- is able to collect anything on his fathers SS. When the time comes ?
Thank you for your help !
Glad you are benefiting from these podcasts. If your child was disabled before 22, perhaps there will be an increase based on a parent. More here: www.ssa.gov/people/parents/
Thank you so much! I'm 71 getting divorce . This will help me so much
You're welcome! Feel free to ask us questions in the future: www.dolphinfinancialgroup.com/contact-us.php
Loved all the information thank you
Glad you found the info useful!
If anyone is still watching this, fyi… if you stayed home to take care of kids, you will have 0 for the years you did not work. Bring that up to a lawyer when you divorce. Your retirement will most likely be substantially lower than his. I was home with kids 10 years, so had to use college summer earnings as part of my calculations. Not great!!!
The top 35 years are part of the calculations. You are correct, a zero could be one of those 35.
@@Dolphinfinancialgroupfl ya, so if a gal retires at 62 and spent 10 years home with babies, her SS is now based on a few high school or college years. A divorce should give her more assets to compensate.
Than you, for the information.
We hope you learned something new to share with others.
Thank you so much for such great info, I will keep you in mind and will definitely tell my daughter. She is fifty and divorced
makes no sense for her to get re-married to another looser and loose your SS benefits. You got think. Today peoples married dont last very long
I have 18 years marriage to my first husband where I was a stay home and no SS contribution, divorced and remarried,become a widow.I got widow's benefits now and learned he collected before his fra so it's very low less my part B medicare.Could I collect spouse retirement benefits from my ex?
You just answered the question
Thank you!
Thank you for this video. It helps make sense of some of the retirement rules. My situation is a bit different than most who are at retirement age. I was married for 16 years to my ex-spouse and have been on disability since 2002. Because I was a stay-at-home mom, my work record is limited. Can I apply for the ex-spouse benefit now? I am sure it would be more than what I currently receive. I will be 64 in December, and he is 65 in October.
You may be able to get an increase based on your ex-spouse, assuming you have not remarried. You'll need to contact SSA and ask for a determination.
How long do you have to be married before you can draw social security off your deceased ex husband
I was married for 15 years we both were eligible he did make good money and I only got an extra $15 so to me it really wasn’t worth it unless somebody made a mistake
$15 is better than nothing, but It also sounds like you'd qualify for a Survivor Benefit that is much higher than your own if your ex-spouse predeceases you.
We divorced in 1998 1 was 49 years old. I became disabled in 2002. Could I have gotten disability on my x husbands social security?
My ex-husband is deceased. At the time of divorce I signed away his social security. We were married 12 years. Is it possible recto try to change this.
If you are entitled to Social Security based on an ex-spouse, then you will receive those benefits. A divorce decree doesn't stop the SSA from paying you.
I’m on ss disability and long term disability which runs out at 65yrs age. So I would get 50% of exes ss calculated through till date of recorded signed divorce decree but if he dies I get 100% of his retirement up through date of divorce. I figure i have to stay on my social security until he dies and make extra income some way to make up difference.
This is why it is important to keep tabs on ex-spouses. You may qualify for Survivor Benefits when the ex passes away: ua-cam.com/video/02A1HiO2A2U/v-deo.html
Thank You!
I was married 44 years but didn’t live together for 42 years. I got a divorce but remarried a much younger man. Now I’m screwed because I got remarried.
Unless you got married after age 60.
@@Dolphinfinancialgroupfl 😊 Surely she is. Good thing she reached out.
I'm divorced after being married for 10 years. I'm trying to figure out a way to tell what benefits I might get from my ex spouce. On the SS site, it seems I can only apply for the benefit, but can't see what amount I might receive. Do you know a way to tell if I have all the documentation?
Besides communicating with an ex-spouse and doing some rough calculations, you will have to contact SSA. For either a spousal benefit or a survivor benefit based on an ex-spouse, the SSA is the only place you can get your answer. Give them a call.
Please clarify, if married less than 10yrs..but lived together 5yrs prior (+10yrs total). I haven't remarried & ex-spouse died. We were in CA, which is common law state.
The SSA does recognize common law marriage as it relates to Social Security. You would have to discuss your situation with SSA. www.ssa.gov/OP_Home/handbook/handbook.17/handbook-1717.html
@@Dolphinfinancialgroupfl Thank You!!
This is confusing. So you get your own benefits plus in effect a booster. So my I apply at 62 and my benefit is $1,100. my spouse gets at Full Retirment $2500*33% (since I applied early) = $825. I would take my $1100 +825 = $1925 for my benefit? is the the right way to calculate generally.
No. You get your own benefit and, if the spousal benefit is higher than your own, you get an increase up to the spousal benefit. You basically get your own OR half of your spouse's.
My ex will be 62 next year. I can draw on his SS then? Will it be half the “reduced” amount? I am older..already over 66, so wondering if I could just get half then?
Once your ex-spouse is eligible for benefits, you could qualify for a spousal benefit. You have to have been divorced for at least two years (unless your ex claims at 62). The amount you'll received will be 50% of the ex spouse's full retirement age benefit...reduced if you claim before your full retirement age. You should contact the SSA next year to see if this will lead to an increase in your benefits. Remember, you get either your own benefit or a spousal benefit if it is higher. You don't get both totaled together.
I was married for 14 years. My ex worked for the county during that time which had a pension which as part of the divorce I waived my percentage as part of the sale of our house settlement at the time. When I turned 65 I looked into getting half of his soc sec and was told he didn’t get soc sec as part of his pension agreement. Have you ever heard of such a thing? Why would a pension collected from the county block soc sec?
Yes. There are many state and local government employees that are covered by a pension rather than Social Security. The local government is putting money toward the pension, NOT into Social Security.
@@Dolphinfinancialgroupfl thanks!
@@Dolphinfinancialgroupfl Yes, and then we get screwed (because of WEP) and get our SS reduced (I have heard they reduce by 1/3) because we get State/County/City Pension. Even when it was not concurrent when paying into Pension.
What if u separated in 2003, but you’ve never gotten a divorce can you claim it?
If you are technically still married, perhaps you qualify for a Spousal Benefit.
Thank you
We are glad you gained something from our video.
I have been getting mails from SS office because my early retirement is next year, but my benefits is pretty small because I was only working part time when I married my ex. Who would decide if I should get my own early retirement or my ex retirement? My ex should be 66 next year and we were married for over 10 years. Btw, I have all of the information about him. Thank you
You would contact the SSA and ask what your Spousal Benefit would be. They determine the numbers.
i took my retirement at 63, will I still be able to take half of his retirement or will I be penalized for retiring early and not be able to collect on half of his retirement
By "retirement," do you mean Social Security? If you took Social Security at 63, you are locked in to a reduced benefit, including a Spousal Benefit. You can contact the SSA to see if you are eligible for a spousal "step-up" on your current benefits.
My Ex “waited” until now, to get his social security , he is AGE 70! I filed when I was 62,(with a penalty of 30% less), for taking it early! I am going to file for the 50% of his soc sec, so will they use his CURRENT AMOUNT? Or the amount his soc sec would have been at his full retirement age (66)? Thank you
This is a common question. Spousal benefits do not include Delayed Retirement Credits (DRCs). In your case, the spousal benefit would be based on his Full Retirement Age benefit (and your age). That said, Survivor Benefits use a different formula and include DRCs. So you'd get the full amount if you qualified for Survivor Benefits if your ex-spouse died.
My husband ex wife is claiming his ss and she took it early. But here is the thing she the ex wife did remarried for a short time and I’m guessing she got a divorced
What happens if someone was married for 10 years, remarried for a short time and divorced again before the age of 60 then claimed on their own benefit at age 62. My friend was told that she could not claim on her first husband's benefit but I think she was misled and should have been able to file to get half of his at least until her full retirement age. Now she's almost 75 and she's impoverished because her benefit only gives her a little over $1,000 a month she has no savings. I don't know if her husband's made more than half of what she's getting though and she refuses to ask Social Security about the situation again.
She may be eligible for a spousal step-up in benefits based on her ex-spouse's age and benefit. It's worth a call to SSA. Also, if her ex passes, she could get a Survivor Benefit if his benefit is higher.
Good 🌹
What happens if the person I remarried don't have papers social security
I'm having trouble listening To this vedio because the volume on the guest speaker is louder than the other.
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
I appreciate your help, but the audio of you 2 is of different volumes.
We are going to redo this video to improve the audio quality.
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
Hi there, What about your x's spouse? What rights do they have?
An ex-spouse can make social security decisions that do not impact the ex-spouse or that ex-spouse's current spouse.
We were married for 11 years. My ex-husband never helped me after the divorce. He is older than I am and is over 62, Can he still take my social security? Will it affect the amount when I apply?
An ex-spouse may qualify to receive spousal benefits based on your record. It won't impact the amount you get.
Is there any way I could draw
My ex is a teacher in Texas with a TRS benefit payment substantially higher than my SS benefit. Can she still clam against my SS?
Maybe. She might get her own benefit or spousal benefits from you. However, she may also have to deal with a Government Pension Offset (GPO) calculation and reduction.
If I’m drawing ssdi, and my husband is 67 and drawing social security, am I entitled to draw off him as well?
You can apply for a combination of benefits, but you still only get one benefit at a time. You should contact Social Security to see if your benefit would increase based on your spousal benefit.
So, since I was eligible from the day my EX turning 62, April 10, 2020, (as I am Disabled and over 50, and was divorced over 2 years), shouldn't Social Security GO BACK TO THAT DATE AND MAKE THE PAY RETROACTIVE SINCE THE AGENT LIED TO ME?
It seems that Social Security allows for retroactive benefits only if you are past your full retirement age. You'll have to work directly with Social Security to resolve your issue if you are past your full retirement age.
What if you were married twice to 2 different men, both marriages lasted over 10 years. Can I claim S.S on both?
Either or, not both. You can claim on your own or base it on either ex-spouse if that makes financial sense. Only one benefit per person.
Does my ex spouse have to be at least 62 before I can file ss divorce? I am older than ex by 18 months so he won’t be 62 when I become 62.
Your ex-spouse needs to be entitled to collect Social Security retirement or disability benefits. So if not on disability, your ex must be 62.
This is a good question that trips many.
@@Dolphinfinancialgroupfl tysvm!
Is That Still Applicable If It's SS Disabilty Too? 🌹
You can get benefits based off an ex-spouse if they were on SS Disability
@@Dolphinfinancialgroupfl Sir. I have another question for you if you don’t mind answering it. Question: my ex-deceased husband got married on 02/29/1992. We separated on 02/05/2000. We were married eight years 1 Months. The marital status ended on January 02, 2003. Which took it took three years to complete. Will I still receive survivor's benefits since it took three years to be finalized? I hope I’m making sense again, lol. I have a telephone appointment this month with the social security department. I'm 72, and if im eligible, will I get his total amount
SSA will request a copy of your marriage certificate and divorce decree. If there is 10 consecutive years between those two, then you should be entitled to Survivor Benefits. How much of the Survivor Benefit you get will depend on your age when you claim.
@@Dolphinfinancialgroupfl Thank you again for taking out the time to answer all of our redundant
Questions you have a lot of patience with us, and if I could, I would take you out for lunch. I will let you know the outcome of everything after I’m approved or not approved. I think it would be nice and out of respect to let you know because you have been very patient with all of us. Have a great rest of your week, sir, and thank you again.
@@foreveryours7464 You are welcome! Please keep us posted on your journey! g.page/dolphinfinancial?share
What if you get remarried and divorced again? Can I apply for my ex who has the highest benefit or just the last ex’s benefits if married for at least ten years?
You can choose between all eligible ex-spouse options. We did a show on remarriage: ua-cam.com/video/6oWfn8wivmk/v-deo.html
Can't hardly hear the guy on the left so I turn it up, only to have the guy on the right so loud I have to turn it down!!!
Sorry about that. This was one of our earliest videos when we were still trying to work out the kinks!
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
What if you remarry and get divorce could you get funds from the first spouse
You would not lose your Social Security connection to the first spouse if you remarry and divorce again.
What about military ex spouse? Will I be able to claim?
You can claim against a military ex-spouse. The benefits will depend on the amount put into the system by your ex. You'll have to contact SSA to determine benefits.
Can You Get There if they’re still living?
You can claim a spousal benefit based on a living ex-spouse. Certain rules apply.
If the ex-spouse is on other government programs- section 8 housing, Medicaid, are they still able to draw on an exes SS?
If you are divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record.
what about if your ex-spouse has been married twice. the first wife gets SS and 2nd wife gets SS?
Yes. Both can get benefits if eligible.
Re: the statement that I receive in the mail every year or 2: it shows my projected monthly amount. Does this amount take into account my over 10 year marriage? Does the SSA even know that I was married? It seems to be taking only my earnings into account when determining my monthly benefit because the statement only shows my earnings every year, not my ex husband's. Not that it matters, but I have no idea whether he is dead or alive, but probably alive.
I told my lawyer when I filed after my husband left me after our 9th anniversary to not let it finalize until after our 10th anniversary. This was about 22 years ago.
Your statement only shows your record and your benefits.
You seem to assume there is a windfall coming to you. Nope. Most likely, 100% of your own will be much more than 1/2 of his. You can go to your local SS office with his SS number to see what amounts you are eligible for. My ex made a lot, like 400k/ yr. I was a teacher. My 100% was much better than 50% of his. And at 62, you get even less than his 50%.
@@mommaoinnh2674 you'll get 100% of his benefits if you were married for 10 years or more when he passes. Providing you are at your full retirement age.
@@robinlooney5440 He is 67, & still working, making big bucks because he has a 16 yr old. I’m almost 67 & retired, getting my 100% SS from teacher salary instead of his 50% of the max amount. I don’t want to wish anyone any ill will, however - - if he were to leave this planet, I’d be a happier person! We were married 18 years. His current wife is at 18 years with him too. Would she get his 100%, or would I? She is a lawyer, working still, making big bucks. I have no regrets retiring when I could, getting a pension and SS.
So Jane let us know…. Did you go to the SS office to find out? They will know if he is dead or alive. They can find him. Your yearly statement is only your numbers and won’t show you the option of half his.
What if your ex-husband is two years younger and dies, Can I still collect at 60 if he would only be 58 if he were alive?
As long as you qualify for Survivor Benefits, it is your age that matters, not the age of the deceased.
However, you should conisder your own benefit at 62 versus Survivor Benefits at 60 followed by a switch. This is an important decision.
@@Dolphinfinancialgroupfl my benefit will be much higher. I was hoping to take the survivor benefit until age 70 then switch.
@@FlyFishingRealtor sounds like a reasonable plan!
What about SSI can u get that from yo spouse as well
The SSI Program is separate and not funded by Social Security taxes. We don't have expertise in that area. www.ssa.gov/ssi/
Can I get remarried If I'm 62 and drawing my exs social security? Will it mess with my social security check that I get from my ex?my ex is still living
It may impact your benefit. Your spousal benefit will be tied to your new current spouse, which may be lower than your benefits based on your ex-spouse. Your benefits from your new spouse may be higher or zero, depending on their age and benefits. However, you do retain access to the SURVIVOR benefits from your ex-spouse should they pass away and are higher than your other options.
Are survivor benefits means tested? I was married to my ex spouse for 15 years. We divorced in 2005. I never remarried. He passed away in May of 2023. He was 62 and had not filed for benefits. (He was born in 1960.) I can draw his at 60, but what if I decide to continue working full time? He never helped me after the divorce to raise our daughters and the courts let him skip right by.
For reference I was born in 1967 and my FRA is 67.
The divorce degree, excuse me if I'm saying it wrong. That normally has both spouses social security number on it
So if your married for 2 or 3 years and he dies can you get his ss being his widow
If you were married to him at the time of death you may get a Survivor Benefit when you qualify. More on Survivor Benefits here: ua-cam.com/video/02A1HiO2A2U/v-deo.html
Can you collect from your dead ex-spouse if you divorced after more than 10 years but remarried to someone else and divorced again from second spouse??? Also, I have my own social security plus I am entitled to State pension so I assume I will be in that Windfall scenario??? Unsure if I can get half of my first ex-spouse???
If you are claiming your own SS, then you should already have worked out the Government Pension Offset. As for claiming against your deceased ex-spouse, it sounds like you should be able to switch to Survivor Benefits if that makes financial sense as you are currently no longer married. Our next podcast addresses Survivor Benefits: ua-cam.com/video/02A1HiO2A2U/v-deo.html
@@Dolphinfinancialgroupfl I asked you a question a few weeks ago if I could get my ex deceased husband social security and you said I could, I got in touch with SS and the answer was yes like you said. Now my next question: what is the difference between retirement and Social Security. Would I be entitled to both? Thank you in advance for your answer. I hope I’m making sense again.
@@foreveryours7464 many people interchange the word retirement and social security. Retirement is different. Retirement would be a pension or other benefits from an employer, separate from Social Security.
What if your ex spouse was married previously and both of his ex wives were married to him more than 10 years? Are both ex wives eligible to claim 50%?
Yes. I have two ex spouses. As long as they remain single.
You can have multiple people claiming Social Security based on your own record. If it makes financial sense, both ex-spouses could claim against his record in this instance.
@@Dolphinfinancialgroupfl, but then you have to be married 10 years each?
@@TeresaMunoz-cg3he yes, the 10 year rule applies to divorced spouses.
What if the spouse that would get spousal benefits was a civil servant and never met the SS requirments to recieve benifits? They did pay in a little just not enough.
If you have not worked or do not have enough Social Security credits to qualify for your own Social Security benefits, you may be able to receive spouse’s benefits. However, you may be impacted by the Government Pension Offset (GPO). www.ssa.gov/policy/docs/program-explainers/government-pension-offset.html
Can I claim ss from both my ex spouses?
You can only claim one social security benefit at a time. With two qualifying ex-spouses, you could choose which has the higher financial impact for you.
What if you start drawing on your ex and then decide to remarry
Remarriage after age 60 doesn't impact your benefits from an ex-spouse, alive or deceased. You might even get a higher amount based on your new spouse.
If my ex spouse eligible for social benefit and have a minor child is that child eligible for his father's social security benefit
It seems like the child would be eligible for benefits in this case. Here is a tool to help you determine eligibility: ssabest.benefits.gov/benefit-finder/
R they going to be reforming ssdi,,ssi,,,to remove marriage penatly,,,this is hurting us allll
There are a lot of Social Security reform options being discussed in Congress. Whether or not they get passed is anyone's guess.
I tried to tell my ex not to get remarried. Now he wants half my benefits and VA benefits 😉
So am I hearing this correctly, If I was married for more than ten years, we divorced and she remarried, she's not entitled to my Social Security?
How can I find out if he retires at 62,
You can contact SS directly to find out information about your benefits based on an ex-spouse.
Does one have to be 62 AND Divorced to apply for exspouse's.
One spouse disabled before 62 and ex spouse 62.
There are several rules here. Too many to go through. But remember that claiming a spousal benefit means you are claiming your own benefit and increasing it if the spousal benefit is higher. Here is a detailed list of rules:www.ssa.gov/benefits/retirement/planner/applying7.html
At 62 would I be able to get Medicare?
Most people qualify for Medicare at 65. However, some people qualify early due to disability.
But That Is Only If Your At Retirement Age Right But What If Your On Diability and Your Not At Retirement Age 🌹
Social Security Disability is different and the same reduction rules to regular Social Security based on age don't apply.
I have been divorced for ever !! Approximately over 30 years. I am on SSI but I don’t draw fromhim . After all these years can I get part of his SSI???
If you are 50 and disabled, and ex is 61- do you wait a yr ? Are you gonna have 50% of ex when turns 62? And you are claiming disability.
If you are claiming disability, you may get an increase if your benefit is less than half of your ex-spouse's. To claim against an ex, they must be entitled to SS, which is usually at 62. It's worth a call to SS.
How much of a reduction (%) should I anticipate when I draw off my ex husbands ss? I am just turning 61 and will need to draw early at 62. No way I can wait until I’m 67 to get the whole 50 percent. It will be his record only since I was a stay at home mom for 35 years. Been divorced 7 months, if that makes a difference. He will be taking his benefit very soon it seems at 66 yrs…but his FRA is 66 and 6 months. Just trying to get my ducks in a row. Thanks!
Looks like you'd get about a 32% reduction of the 50% spousal benefit: www.ssa.gov/oact/quickcalc/earlyretire.html
@@Dolphinfinancialgroupfl it looks like it would be 35% reduction instead of 32%. But I do like the 32% better 🙏
Thanks!
Married for 23 years, divorced in 2005. Still working and not filing for SS until full retirement age at 66.5 years in 2024.
Ex-spouse remarried in 2008, divorced one year later in 2009. He is currently 75 and unmarried. Is he eligible for my social security benefit?
Your ex-spouse is either already collecting his own benefit or half of yours if higher. Since you're eligible to collect on your own, he could use your record if it makes financial sense. But it won't impact your own benefit.
Can I get my X husbands SSI?? I have been divorced over 40 years. He made more money than me!!
What if they re marry ?
If your ex remarries, it does not impact your capacity or qualifications to claim against their record.
Do you get more at 66 then 65 even though your not working??
Yes. Your benefit increases each month you delay until age 70.
Ex makes more in years to come my 1/2 increases?
A spousal benefit is based on the full retirement age benefit of the spouse. As that grows, so grows the 50% spousal benefit.
Divorced after 25 years of marriage remarried at 58 and a widow now at 69 . Can I claim from my ex spouse who gets a lot than my own ?
It depends on your situation details. Are you currently claiming? Is your ex-spouse deceased? What is your own benefit and your Survivor Benefit based on your second spouse? You'll need to contact us to run a SS Report: www.dolphinfinancialgroup.com/contact-us.php
What if your spouse is a foreign national!
If your foreign national spouse is entitled to Social Security then you may be entitled to a Spousal Benefit.
How do I contact you for the social security planner. I need the phone number. Thank you.
www.dolphinfinancialgroup.com/contact-us.php
What if you have more than 1 x spouse?
You can claim against whichever one makes the most financial sense.
I don’t know how they give the social security the same amount to them weather they paid the tax or have not paid the tax? Why USG make the citizens to every body even they didn’t paid the tax and they get the same benefits like the tax payers? Is there any difference between the tax payers and who have never paid the tax? If it is then don’t you think that USG emphasizes them? I don’t know in which direction are we going Also the Green card holders mani of them they they don’t want to work because without working without paying any tax to USG they are getting all kind of benefits like they get the Adult day care free meals free medicine no doctors fee special home care nurse 50 percent fair discount special rides more over full Food stamps which the tax payers don’t get Also they get Cash then why they work If without paying any tax without working all kind of benefits they get Will UGS ? No comments thanks
If you marry again after age 60 can you go back and draw off your ex-spoise!
Getting married after age 60 does not eliminate access to spousal options from previous marriages.
I worked for the treasury department, retired at 60 and received the SSI payment to 62. At 62 I started receiving Social Security from my exes account, we had been divorced for over 10 years. I am 64 now and my full retirement age is 66 and 6 months(or 5?).
My question is can I still collect from my exes benefits after my full retirement age?
One more question, how does Medicare play into this?
Your benefits based on an ex won't change besides COLAs. However, if you ex dies, you may be able to switch to Survivor Benefits. Medicare starts at 65 for most people and your Social Security isn't impacted by Medicare besides payments being deducted from your SS.
@@Dolphinfinancialgroupflthank you.
So basically, I should review at my full retirement age in case payment from my account would be greater.
I should also keep an eye out for his death notice so I can switch to survivor benefits.
Does that sound right? Do you have videos on Medicare?
@@medaily57 Your current benefit is your own, or 50% of your ex-spouses. The SS Office runs that calculation for you and gives you the higher amount. It seems like you won't be switching unless your ex-spouse dies and you switch from Spousal Benefits to Survivor Benefits. But, you should contact SS just to be sure about this. Regarding Medicare - you will find some useful Medicare videos in this Health Insurance playlist: ua-cam.com/play/PLOVSZj3M-4SKiAQE_AlTO4aW85H4-ySFl.html
@@Dolphinfinancialgroupfl thank you again for your help! Have a blessed day!
You can get married after 50 years age if your on disability.
Yes - Social Security Disability has different rules to be aware of. It's on the list of future show topics!
Where's this show topic???
Nothing worse than sound levels geez annoying
Indeed. This video has poor quality and we are planning to remake it soon. Thanks for your patience.
Revised video with better audio quality: ua-cam.com/video/IN1dWX_AsdU/v-deo.html
This host has no change to talk
Not giving any information. They have to ork for it, lol.