DISCLAIMER - THIS WEBSITE IS NOT ENDORSED BY OR AFFILIATED WITH THE U.S. SOCIAL SECURITY ADMINISTRATION , OR ANY GOVERNMENTAL ENTITY.
| SSA Disability
| SSA Spouse Benefits
| Social Security Widow Benefits
| General Questions
|FAQ(s) found under Ex Spouse
||Showing 65 Of 71
||Prev | Next
Social Security Question:
ex spouse social security benefits
Social Security Answer:
I will be 62 this month and wish to start my retirement benefits from my ex spouse. We were married for 17 years and have been divorced for 23. He will be 65 in November and will begin collecting his SS then. Do I have to wait until he collects his benefits to apply for mine?
Also, when he dies, would I be eligible for survivor benefits? - Thank You
Support Replied ~ 03-21-2011 16:21:31
You do not have to wait for him to retire in order to receive ex-spouses benefits....However, since you are filing at age 62, you will have to take your own benefit first and add spouses benefits to that......SO, If your full retirement amount is less than 1/2 his full retirement amount, you will be getting your own and ex-wifes benefits...NOW an option that some people don't know about is that if you wait until age 66, you can take a full 1/2 of his benefit and leave your benefit alone to let it grow to age 70 if you would like.....Find out if your age 70 amount is more than your wifes benefits and maybe you would like that option. The only problem is that you have to wait until age 66 to file....Just an idea to throw at you......Carol
Your Comment ~ 03-21-2011 23:24:48
Thank You for your response.
Does this mean I would be getting a higher total amount than what the ex wife benefit alone would be? Or is only part of the ex wife benefit added to mine to make up what the ex wife benefit alone would be?
Also, how does a benefit "grow"?
Support Replied ~ 03-24-2011 00:07:42
Your own benefit continues to increase every month you do not take it up until age 70....Spouses stop increasing at age 66. Therefore, if you wait to take your wifes benefits at age 66, you will get a full one half of your exes full retirement amount. If you take benefits before age 66, you must take your own first and then add his amount up to 1/2 of his full amount reduced for your age. If your amount was $700 and his full amount was $1800, then you would get $200 reduced for your age added to your amount. I could tell you the exact amount but don't have the figures....You seem to know what I was saying.....Carol
Have your Social Security questions answered
If your Social Security questions have not been answered, or if you would like to send Carol an inquiry, please click here
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.
|In the news:
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. 05-17-2018
Thank you so much. You provide a fantastic service and I really appreciate all your help. The next time I have a question regarding Social Security I will go to you first and save myself a lot of time.
Carol J. 05-05-2018
Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 04-24-2018
Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 04-24-2018
Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
Veda M. 04-04-2018
Thank you so much for the reply.
Tom C. 03-05-2018
Thank you so much for returning my email so quickly.
Laverne J. 02-23-2018