Can a Divorced Woman Get Ex Husband's Social Security?

Erstwhile wives (and all spouses, for that affair) of a worker who dies can receive Social Security divorced spouse benefits, every bit either spousal or survivor benefits. Moreover, they tin can receive benefits at the same percentages every bit widows and widowers), equally long as the marriage lasted at to the lowest degree x years. That changes if the surviving spouse remarries earlier age threescore, merely remarrying after age 60 won't affect eligibility.

Allow's take a wait at how it works:

Eligibility for divorced spousal benefits

In lodge to receive benefits, an ex-spouse must either remain single until age 60, or the  2nd marriage must accept concluded by death, divorce, or annulment. The rules for claiming benefits every bit an ex-spouse are slightly different than challenge benefits equally a person reaching retirement age versus as a survivor whose former spouse has died .

The rules also are unlike for those built-in before Jan. 2, 1954. Ex-spouses born before this date may be able to receive divorced spousal benefits at full retirement age and filibuster their own retirement benefit until later. That option is not available for people filing for spousal benefits who were born after this date. Those individuals are automatically considered to have filed for all retirement benefits.

The corporeality an ex-spouse receives depends on many factors including:

DID YOU KNOW?

To receive spousal benefits from your ex, you must either remain unmarried until yous're 60, or your second marriage must take ended.

• Whether they're filing for spousal or survivor benefits
• Their age when they file
• The benefit due the ex-spouse as an individual worker, separate from union-related benefits
• How much the erstwhile spouse earned

If one or more ex-spouses receive a do good, that does not in whatsoever manner reduce the corporeality that the worker or their electric current spouse or other dependents are eligible to receive.

What about getting remarried?

Divorced spouses may exist eligible for survivor benefits at whatsoever age if a kid of the deceased worker lives with them and is nether age 16 or is disabled. Otherwise, the spouse may become eligible for survivor benefits at age threescore, or age 50 if they are disabled. In all cases, ex-spouses will only be eligible if they are not married—or if their subsequent marriage concluded in death, divorce, or annulment.

Ex-spouses who tin merits survivor benefits at full retirement age or older will mostly get 100 per centum of the worker's basic benefit corporeality. After age threescore, they will receive between 71 percentage and 99 percent of the worker's basic benefit amount. Marrying after historic period 60 will not touch on an ex-spouse's benefit.

Different with the spousal benefit, ex-spouses may utilize for survivor benefits at historic period sixty or later and wait to utilize for their own benefit until later on—up to age 70. Doing so can earn delayed retirement credits on their ain record. Working while receiving benefits may impact the benefit amount, notwithstanding.

What are the divorced spouse benefit amounts

Ex-spouses entitled to benefits on their own tape will receive those benefits first. If their own benefit is larger than the do good they would receive as an ex-spouse, they will receive no spousal benefit.

DID YOU KNOW?

Even if your ex is remarried, yous could be eligible for up to half his benefit.

Even so, if the benefit as an ex-spouse is larger, Social Security volition increase that benefit to the larger amount. And so, if an ex-spouse'due south benefit would exist $ii,000 a month, they would exist entitled to $ane,000 a month every bit an ex-spouse. If their benefit equally a worker is only $700 a calendar month, Social Security will increase their benefit to $1,000 a month.

The maximum spousal benefit—for spouses or ex-spouses—is 50 per centum of the worker's benefit at full retirement. If an ex-spouse does not claim benefits until after full retirement—say age 70—they will receivedelayed retirement credits, but their benefit will not increase.

If an ex-spouse claims benefits before than full retirement, the amount they receive will be permanently reduced. If they claim a do good at age 62, instead of receiving 50 percent of their former spouse'due south do good, they will receive only well-nigh 35 percent of their benefit.

How to apply for Social Security divorced spouse benefits

If yous're not already receiving benefits, we recommend using a Social Security divorced spousal benefits checklist and going pace by step, but below is a summary.

You can file for divorced spousal benefits online; by calling 1-800-772-1213 (TTY i-800-325-0778); or byvisiting a Social Security Administration office.

Hither are the documents you will probable need either in original form or a certified re-create:

• Your divorce decree
• Your marriage certificate
• Birth certificate or other proof of birth – the original re-create
• Proof of U.Southward. citizenship or lawful alien status
• U.S. military machine discharge paper(s) if y'all had military service earlier 1968;
• W-2 forms(due south) and/or self-employment tax returns for last twelvemonth.
• Your Social Security number and your ex's Social Security number and date of birth. If yous don't have this info, don't worry: you can instead provide your ex'south name, appointment, identify of birth, and parents' names.

How to employ for Social Security divorced survivors benefits

If you lot're not already receiving Social Security,we recommend using a widows benefits checklist and going step by step, merely below is a summary.

You tin can file for survivors benefits past calling 1-800-772-1213 (TTY ane-800-325-0778) or visiting a Social Security Administration part.

Hither are the documents y'all volition likely need either in original form or a certified copy:

• Proof of death, either from a funeral dwelling or the expiry certificate
• Your Social Security number and the deceased worker'southward Social Security number
• Your birth certificate
• Your marriage certificate or divorce decree, if the deceased worker was your spouse
• The Social Security numbers and nascency certificates of any dependent children
• The deceased worker's most recent W-2
• Your bank account number then your benefits can exist deposited into your business relationship

If yous are already receiving Social Security, report the death of your spouse or family unit fellow member to the Social Security Administration. If you were receiving benefits based on your spouse's work, those benefits volition exist switched to survivors benefits rather than spousal. If you lot're receiving benefits based on your own work record, contact the Social Security Administration to see if you lot're eligible for higher benefits as a widow or widower.

Just as Social Security retirement benefits aim to ensure workers tin live a dignified life after they stop working, survivors benefits can provide stability and support to the family of a worker after he or she dies. The do good can help give workers and their families a little scrap of peace of heed both earlier and afterward a loss.

townsendming1968.blogspot.com

Source: https://www.simplywise.com/blog/can-a-divorced-woman-collect-her-ex-husbands-social-security/

Share this post