How do I determine the best claiming strategy involving ex-spousal benefits?
Full Question: I am divorced born after 1954, and was married for more than 10 years. My ex-spouse has remarried while I have not, and while I do have some earnings to claim, claiming as an ex-spouse will provide the higher estimate. My concern is that while I have reached FRA, my ex-spouse won’t for…Read More
How are ex-spouse benefits determined?
Hi there, Ex-spouse benefits are based on your ex’s primary insurance amount (PIA), the amount they would receive at their full retirement age (FRA). You may contact the SSA to find out what your ex’s PIA is by providing the information needed to verify your marriage to, and divorce from, the individual. For personalized assistance…Read More
Am I eligible to collect on my ex’s Social Security if it is higher than mine?
Full question: I’m 75, divorced and caring for our disabled adult daughter who is collecting SSDI on her dad. Am I entitled to collect on his social security if higher than my SS? Hello, Yes, you may be eligible for an ex-spousal benefit if you were married for 10 or more years and the benefit…Read More
As a caregiver of a disabled adult child, am I eligible for ex-spousal benefits?
Full question: My daughter is a disabled adult who has been on SSI since childhood. Her father and I divorced and I have remarried. Her father passed away and she is eligible to get survivors benefit, however I was told she would lose her medicaid because she would no longer be eligible for SSI. My…Read More
Do I qualify for ex-spousal survivor benefits?
Full question: Hello, my son received survivors benefits until the age of 19. I also received survivor’s benefits due to be the ex-spouse caregiver of my son, but my portion stopped when my son turned 16. My son is now 21 and was just approved for DAC disability. Would I qualify to receive payment again…Read More
Should I apply for my own benefits now and then switch to spousal benefits at FRA?
Full question: Hi Martha. I’m a 62 yr old woman married 25 years. Divorced little over 10 years ago. Ex husband is 80 retired at full retirement age with max benefits. Neither of us remarried. His earnings much higher than mine. When is it best for me to apply for SS benefits now or when…Read More