Four rules to know about social security if you get divorced
Four rules to know about social security if you get divorced

Four rules to know about social security if you get divorced

Divorce can be difficult as your ex-spouse may be eligible to receive your social benefits.

With the division of assets and things, it is important to remember that Social Security should also be an area to review.

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Your ex-spouse is entitled to receive your social benefits

If you have been divorced, your ex-spouse may receive benefits on your record.

This also applies even if you are married again.

1. Your ex-spouse may receive benefits

Ex-spouses are entitled to receive benefits on your post if they fall into a certain number of categories.

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These include:

  • Your marriage lasted 10 years or longer.
  • Your ex-spouse is unmarried.
  • Your ex-spouse is 62 years of age or older.
  • The benefit that your ex-spouse is entitled to receive on the basis of your own work is less than the benefit they would receive on the basis of your work.
  • You are entitled to a social security pension or invalidity benefits.

2. How much can your ex-spouse receive

The maximum spouse benefit is 50% of what your former spouse will charge at their full retirement age (OFF).

If you retire from your FRA in 2022, your maximum monthly benefit is $ 3,345.

That means your former partner would be able to get up to $ 1,672.50 a month.

It is important to note that a former spouse requesting benefits will not reduce the amount you yourself receive.

To apply for spousal benefits after a divorce, visit the SSA website, call 1-800-772-1213 or go to your local Social Security office.

3. Pension benefits that your ex-spouse can receive

According to the SSA, if you have been divorced for at least two consecutive years, your ex-spouse is eligible to receive pension benefits on your record even if you have not yet applied.

However, if they are entitled to their own pension benefits, social security pays this amount first.

If your benefits are higher, your ex will also receive an extra amount from your item, ensuring that the combination of benefits matches the higher amount.

If your ex was born before January 2, 1954 and has reached full retirement age, they can choose to receive only the divorced spouse’s benefits, thereby deferring their own pension benefit to a later date.

If your ex has a birthday on January 2, 1954 or later, the option to receive only one benefit expires at full retirement age.

If your ex-spouse applies for one benefit, they will actually apply for all pension or spouse benefits.

4. How remarriage affects your benefits

Sheep poison again can affect your social benefits.

Fortunately, remarried couples do not have to worry about retirement benefits as these will not be affected.

However, if you are divorced from a spouse who dies, you may be entitled to benefits in the same way as a widow or widower, provided that your marriage lasted 10 years or more.

If you remarry after 60, or 50 for the disabled, the remarriage will not affect your eligibility for survivors’ benefits.

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We explain this year maximum social security advantage.

In addition, we take a closer look payments Americans with children under the age of five can receive.

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