Social Security Spousal Benefits | Married, Divorced, & Widowed | Social Security Benefits Explained

by Retirement Advisor | Oct 16, 2022 | Spousal IRA | 7 comments

In this video I want to talk about social security spousal benefits for those individuals and families who are married on social security, divorced and on social security, or widowed and on social security. I want to talk about how you qualify for social security spousal benefits whether you are married, divorced, or widowed. I also want to discuss how work history, length of marriage, remarriage will impact your social security spousal benefits.

How you qualify for Social Security Spousal Benefits (Married):
1. You are at least 62–unless you are caring for a child under 16 or permanently disabled.
2. You have been married to your spouse for at least 12 months
3. Your spouse is already receiving social security retirement benefits

How you qualify for Social Security Spousal Benefits (Divorced):
1. You are not remarried
2. Your ex-spouse is over 62 (Does not have to be claiming Social Security Benefits)
3. Married for at least 10 years
4. If ex-spouse is deceased (see below)

How you qualify for Social Security Spousal Benefits (Widowed):
1. 100% of Spouse’s social security benefit if you wait until FRA
2. Remarriage does not impact social security spousal benefits

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7 Comments

Your Financial EKG™ on October 16, 2022 at 6:36 pm
Free Retirement Download: The Roadmap to Retirement:
https://yourfinancialekg.com/#download
Balvinder Sidhu on October 16, 2022 at 6:36 pm
My x husband over 62 ..I am 62 and still working is that possible if I can collect his SS
Savannah Smiles on October 16, 2022 at 6:36 pm
My sis married for 15 yrs…divorced…remarried 5 yrs later for less than 6 mths…got covid last year, lost her job, and turned 63 this yr. Hasn't been able to find another job. She was a stay at home mom in 1st marriage. That spouse did really well and became a CEO. Is it possible to for her to claim on 1st spouse, even though remarried but it didn't last long? He is over 62 and married 2 more times, living, working. She would be getting 50% of his benefit for being married, and then reduce it for not making it to FRA of 66 1/2? Is that roughly what she would be getting if she filled this year?
Richard Brown on October 16, 2022 at 6:36 pm
My ex wife can place a claim on my benefits
Maricar Feightner on October 16, 2022 at 6:36 pm
What happens if you claim early like 62 n ur spouse primary died will iur spousal benefit increase as a widow/ widower???
Stacey Eckard on October 16, 2022 at 6:36 pm
Love all the info that you give! Very helpful! I am 57 so I know I have a few years before doing anything but I’m trying to get a few ducks in a row to see where I will be financially. I was married for 29 yrs, been divorced for 10 now and NOT getting remarried. LOL My ex is 13 yrs older and gets SS disability. I only have a few credits towards SS, not enough to count. I will retire under PERS with some combined years with SERS at the age of 60. My question is, will me retiring under those effect me being able to get SS benefits under him? Will they go by how much retirement I get with those? Does his getting disability effect anything as well? I also know I can’t get any benefits under him until the age of 62. I don’t know if it matters but we are in Ohio. Sorry for all the questions. Thank you so much!!
Katherine Beck on October 16, 2022 at 6:36 pm
I am 70 my ex-husband is 72. I am collecting my own social security and I assume he is collecting his. I have not remarried but he has. Can I collect on his work record at 100% or does he have to die before I can do that.