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How to Collect an Ex-Spouse’s Social Security Benefits in Dyer

How to Collect an Ex-Spouse’s Social Security Benefits in Dyer

A married couple typically plans their financial future together. This means that one spouse–particularly one who has not worked during the course of the marriage, instead staying home to raise a family–is likely counting on the ability to receive Social Security benefits on the record of their spouse. However, if this couple divorces, what happens? Does the non-income earning spouse sacrifice the right to collect benefits on the record of their (now) ex-spouse?

Not necessarily – in many cases, individuals are able to collect an ex-spouse’s Social Security benefits.

When You Are Able to Collect on an Ex-Spouse’s Record

If you are divorced, you may be wondering whether or not you can collect benefits on the record of your ex-spouse. The only time that you may not be able to do this is in the case that:

  • Your marriage with your ex-spouse lasted for fewer than 10 years;
  • You have remarried and are currently married;
  • You are younger than 62 years of age;
  • Your ex-spouse is not entitled to Social Security benefits (Social Security disability or Social Security retirement); and
  • Your Social Security benefit amount on your own record is greater than it would be on the record of your ex-spouse.

When You Can Start Collecting Your Social Security Benefits on Your Ex-Spouse’s Record

Assuming that you meet the criteria for claiming Social Security benefits on the record of your ex-spouse, you can begin claiming these benefits at age 62. This is true even if:

  • Your ex-spouse has not yet begun claiming their benefit amount, and wishes to delay doing so; or/and
  • You are still working and earning an income.

However, just because you may be eligible to claim your Social Security benefits as soon as you turn age 62 does not necessarily mean that you should do so, especially if you are still working and earning an income. If you start claiming your benefits before reaching your full retirement age, your benefit amount will be reduced, and if you are working, the Social Security Administration will take $1 for every $2 earned from your benefit amount, once you pass an income limit. However, if you wait until reaching full retirement age (or beyond) to start claiming your benefits, your benefit amount will increase and if you are still working, the Social Security Administration will set a higher income limit, and will take $1 for every $3 earned.

If you are eligible for benefits both on your own record and the record of your ex-spouse, you will be paid yours first. If the benefit on your spouse’s record is higher, you will be given an additional amount to make up for the difference.

How You Can Learn More About Claiming Social Security Benefits on the Record of an Ex-Spouse in Dyer

If you think that you are eligible for Social Security benefits on the record of your ex-spouse, you no doubt have myriad questions about the process and how to maximize your benefit amount. Luckily, at Harvest Social Security QA, we have answers. Further, we host free information sessions and Social Security workshops for members of the Dyer community. You can learn more about these workshops, and sign up to attend one near you, through our website.

No Charge to Attend! Seating is limited, so sign up today!

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Harvest Social Security QA 930 W. US-30
Schererville, IN 46375
Phone: (219) 864-5050

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Harvest Financial Planning, LLC to provide information on a topic that may be of interest. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.  Harvest Financial Planning, LLC Is Not Associated With The Social Security Administration Or Any Government Agency.