Top Four Things To Know About Social Security If You Are Divorced
Top Four Things To Know About Social Security If You Are Divorced

Top Four Things To Know About Social Security If You Are Divorced

Your ex-spouse may be eligible to receive your benefits even if you are remarried.

Top Four Things To Know About Social Security If You Are Divorced

Here are four rules you should know about social security if you are divorced.

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1. Your ex-spouse may receive your benefits

To claim your benefits, they must fall into these categories:

  • You were married for at least ten years
  • Your ex-spouse is unmarried
  • Your ex-spouse is at least 62 years old

The benefit that your ex-spouse is entitled to receive based on their own work is less than the benefit they would receive based on your work.

2. How much can they get?

This is decided on a case-by-case basis. However, the maximum spouse benefit is 50% of what your former spouse will charge at full retirement age.

For example, if you retire at your full retirement age in 2022, your maximum monthly benefit will be $ 3,345. Your ex-spouse will be entitled to $ 1,672.50 a month.

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3. What benefits could they 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 than that of your ex-spouse, they are also entitled to some of yours. To ensure that the combination of benefits corresponds to the higher amount.

If your ex was born before January 2, 1954, they have the right to defer their own early retirement pay until later and choose to receive only divorced spouse benefit.

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

4. How can remarriage affect your benefits?

Getting married again can affect your social benefits. Married couples do not have to worry about retirement benefits as these will not be affected.

If you are divorced from a spouse who has passed away, you may be entitled to benefits in the same way as the widow. To be eligible for this compensation, you must have been married for 10 years or longer.

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

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