If you're a stay-at-home spouse, you may be eligible for Social Security retirement benefits based on your spouse's work history. Those who worked typically receive the higher of their earned or spousal benefits.
For a spouse who is not entitled to benefits on his or her own earnings record, this reduction factor is applied to the base spousal benefit, which is 50 percent of the worker's primary insurance amount.
Can you still receive Social Security as a stay-at-home mom or dad? The good news is you can. If you are a married person with little to no earnings history, you can receive a benefit up to half of your spouse's Social Security.
People who have never worked may worry that they can't get disability payments through social security. They are correct in that they will not qualify for Social Security Disability Insurance or SSDI. SSDI is available and intended for people who earned credits by working and paying Social Security taxes.
To qualify for spouse's benefits, you must be one of the following: 62 years of age or older. Any age and have in your care a child younger than age 16, or who has a disability and is entitled to receive benefits on your spouse's record.
A widow is eligible for between 71 percent (at age 60) and 100 percent (at full retirement age) of what the spouse was getting before they died. We must pay your own retirement benefit first, then supplement it with whatever extra benefits you are due as a widow.
Surviving spouse, full retirement age or older — 100% of the deceased worker's benefit amount. Surviving spouse, age 60 — through full retirement age — 71½ to 99% of the deceased worker's basic amount. Surviving spouse with a disability aged 50 through 59 — 71½%.
He said once the non-working spouse hits age 62, they are eligible to receive benefits as long as the working spouse is currently receiving either retirement or disability benefits from Social Security.
The spouse still gets 50% of the retired worker's primary insurance amount (the retirement benefits the worker qualified for at their full retirement age, which is 66 or 67).
There used to be a “file and suspend” loophole meant to help married couples maximize their Social Security benefits. However, after Congress passed the Bipartisan Budget Act in 2015, this loophole no longer applies.
Yes, you can. Notify the Social Security Administration that you were married more than once and may qualify for benefits on more than one spouse's earnings record. They will be able to tell you which record provides the higher payment and set your benefit accordingly.
What Happens If I Remarry? Generally, you cannot collect benefits on your ex-spouse's work record unless your second marriage ends by annulment, divorce, or death. Your SSI benefits payments may change based on your new spouse's record.
If you qualify for your own retirement benefit and a spouse's benefit, we always pay your own benefit first. You cannot receive spouse's benefits unless your spouse is receiving his or her retirement benefits (except for divorced spouses).
Qualifying spouse beneficiaries must be married to the retiring spouse for at least one continuous year prior to applying for benefits, with certain exceptions.
This is good news when former spouses are not on good terms. Your ex cannot “block” you from drawing your spousal benefit. In fact, he probably won't even know if you are drawing off him unless he calls SSA to ask.
The longer the spouse with the higher benefit waits to start collecting, the higher benefits will be for both spouses. Delaying the higher earning spouse's benefits could also eventually increase the other spouse's survivors benefits.
Whether you can make this switch is determined by whether your spouse is already receiving benefits. If your spouse is not receiving any retirement benefits yet, then you could technically take your regular Social Security benefit as early as age 62.
As a spouse, you can claim a Social Security benefit based on your own earnings record, or collect a spousal benefit in the amount of 50% of your spouse's Social Security benefit, but not both. You are automatically entitled to receive whichever benefit provides you the higher monthly amount.
If you've worked and paid Social Security taxes for 10 years or more, you'll get a monthly benefit based on that work.
You can collect spousal benefits as early as age 62, but in most cases, the benefits are reduced permanently if you start collecting early. If your own work history earns a higher benefit, you'll receive that amount rather than the spousal benefit.
Form SSA-2 | Information You Need to Apply for Spouse's or Divorced Spouse's Benefits. You can apply: Online, if you are within 3 months of age 62 or older, or. By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office.
you're eligible for some of your ex's Social Security
That means most divorced women collect their own Social Security while the ex is alive, but can apply for higher widow's rates when he dies.
There is no hard and fast rule on this. Generally, a claim can be brought at any time until a consent order is put in place. However, waiting too long after your divorce could make obtaining a share of your former spouse's retirement benefits more difficult, or even impossible.
A divorced spouse may be eligible to collect Social Security benefits based on the former spouse's work record. The marriage must have lasted for at least 10 years and the divorced spouse must be at least 62 years old.