Social Security Spousal, Survivor, & Divorced Benefits Made Easy

What are the rules for spousal benefits of Social Security?

Social Security Spousal, Survivor, & Divorced Benefits Made Easy

Social Security spousal benefits, divorced spousal benefits, and survivors benefits are some of the most overlooked and misunderstood Social Security claiming strategies for families who are on Social Security.

If you are currently on Social Security or you are going to be on Social Security soon, it is important you understand your Social Security strategy options.

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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Drew Blackston, CRC® & RFC®
Office: 813-807-5060
Info@pearlwealthgroup.com

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Social Security Spousal, Survivor, & Divorced Benefits Made Easy

Social Security is an important financial safety net for many Americans. It is also a complex system with numerous rules and regulations that can be difficult to navigate. Three important aspects of Social Security are spousal benefits, survivor benefits, and divorced benefits. Understanding these benefits can help individuals maximize their Social Security benefits.

Spousal Benefits

Spousal benefits are benefits that are paid to the spouse of a Social Security recipient. To qualify for spousal benefits, the spouse must be at least 62 years old and the recipient must be receiving Social Security retirement or disability benefits. The spousal benefit is up to 50% of the recipient’s benefit amount.

To apply for spousal benefits, the spouse must be married to the recipient for at least one year. The recipient must also have filed for Social Security benefits. If the recipient has not filed for benefits, the spouse may still be eligible for spousal benefits if the recipient is at least 62 years old and has started receiving Social Security retirement or disability benefits.

Survivor Benefits

Survivor benefits are benefits that are paid to the surviving spouse or dependent children of a Social Security recipient who has died. Survivor benefits can be a critical source of income for families who have lost a breadwinner.

To qualify for survivor benefits, the survivor must be the deceased recipient’s spouse, former spouse (if certain conditions are met), or dependent child. The deceased recipient must have worked long enough to qualify for Social Security benefits.

The amount of survivor benefits depends on the recipient’s Social Security earnings. Surviving spouses can receive up to 100% of the deceased recipient’s benefit amount. Surving children can receive up to 75% of the benefit amount.

Divorced Benefits

Divorced benefits are benefits that are paid to the ex-spouse of a Social Security recipient. To qualify for divorced benefits, the ex-spouse must have been married to the recipient for at least 10 years and be at least 62 years old. The recipient must also be receiving Social Security benefits.

The divorced benefit is up to 50% of the recipient’s benefit amount. If the ex-spouse remarries, they may still be eligible for divorced benefits if the subsequent marriage ends in divorce or annulment.

Conclusion

Navigating the Social Security system can be difficult, but understanding spousal, survivor, and divorced benefits can help individuals maximize their benefits. Spousal benefits can provide financial support for married couples. Survivor benefits can be a critical source of income for families who have lost a breadwinner. Divorced benefits can provide financial support for ex-spouses. By understanding these benefits, individuals can make informed decisions about their Social Security benefits.