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Social Security Question:
I am currently 62, divorced from my ex wife since 2007. She has since remarried, while I have not
Social Security Answer:
I am currently 62, divorced from my ex wife since 2007. She has since remarried, while I have not. We were married for 14 years. She was born in 1959, and is currently 52. Her future Social Security benefits are much more than mine would be ( example: from 2003, assuming a 62 retirement age, hers would be $1,285/month, while mine from 2004 would be $486.) Can I draw her benefits instead of mine without it affecting her benefits when she reaches retirement age? When should I start; now, 66, or 70?
Support Replied ~ 07-10-2012 12:31:19
Since your ex-wife is about 10 years younger than you, you have a long wait. She must be age 62 for you to file on her SS. Your benefits will not affect her benefits at all, so don't worry about that. The amount you would get on her account would be about $200 since you would be over your full retirement age and would get a full 1/2 of her full retirement age amount minus your full retirement amount.
If I were you, I would take my Social Security as soon as my wages don't preclude it. It is hard for people to retire at age 62 now-a-days unless they have health insurance from a previous employment. Since waiting for you will only increase your Social Security by a little, the wait might not be worth it. BUT the biggest increase in your own Social Security is from age 66 to 70. Call Social Security and ask them what your benefit rate is at age 62,66 and 70 to get an idea of what the increases would be. If you are working and your wages are over $14600, you might want to wait. But benefits from your wife will not affect the choice you make right now.....Carol
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Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.
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Read Carols comments in this BankRate.com Social Security article
Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 12-20-2019
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Carol J. 12-08-2019
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Emily D. 11-27-2019
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