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Was married to ex spouse for 16 years and that was 23 years ago. I am now almost 66 years old and have applied for ex spouse half payment for social security

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Last Update : 05-25-2012 

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Social Security Question:

1) I am 70 years old and am receiving Social Security .I have been receiving about $1,100.00 per month since I was 62 years o

Social Security Answer:

1) I am 70 years old and am receiving Social Security .I have been receiving about $1,100.00 per month since I was 62 years old. Recently my first ex-wife died and I applied for and was granted about $500.00 more per.month in spousal survivors benefits ( having been married to her for 17 years and divorced from her for about 30 years ). My current total monthly check is about $$1,600.00 per. month after Medicare premiums are wit held. 2) My couuent girl friend who is 63 years old and she is receiving about $1,129.00 per. month in Disabled Social Security benefits. 3) She has a living ex-husband with whom she was married for over 10 years and to whom she has been divorced for about 15 years.She is now preparing to put in a claim for an award based on his Social Security.He , likely , made a Lot more than she did for his entire life ( he's now about 64 and may or may not have put in for his Social Security & he is in very good health and appears likely to live a very long time still ) and she does not wish to wait for survivors benefits based on his demise. Even though he is still alive ,based on the fact that he paid into Social Security the maximum amount taxable under the system all his life and she only paid about the minimum taxable under the system for about 20 years of her life the benefit she would receive by applying for her entitlement based on his should exceed , even , what she is receiving now. As yet we don't know what that amount would be in the form of her monthly payment.She ,as yet , does not qualify for medicare (still about 11 months to go based on the initial disabled security award date ) . Question --- Will our joint (in our unmarried state) benefits be and stay enhanced by her application for benefits based on her ex-husbands Social Security qualifications? If so --- by Approx. how much? If ,after she receives that increase in her monthly award and maintains that status for about a year or so --- we decide to marry (she at about 64 and myself at 71 ) what will happen to my , hers Social Security monthly payments and if they are affected --- by how much ?


Support Replied ~ 05-26-2012 00:19:51

Dear James, Your girl friend might not be eligible for much from her ex-husband because the ex-spouses benefits is based on 1/2 the primary wage earners PIA (age 66 amount). For example, if her exes' benefit rate is $2400, then Social Security would take her check of $1129 and subtract it from $1200 and would give her a benefit of less than $71 off her exes' account. However, when he passes, she will get the full amount. Answer to your first question....She will continue to get ex-spouses benefits until she marries you. Then she will lose the spouses portion of her check. However, if he passes, then she could file for widows' benefits since remarriage after age 60 does not bar one from getting as a widow. Your own Social Security benefits will not be affected by your remarriage because it is after age 60. It doesn't matter how long she maintains the status of getting her spouses' benefits, when she marries you, the extra will stop unless he is deceased. Good luck with your plans.....Carol

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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

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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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.
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