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

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

As you age, one of the most important things in your life will be how you will maintain your quality of life when you are no longer working and earning an income. For many people, this is a serious question that is accompanied by stress, fear, and worry about providing for oneself and family. For divorced couples, this stress can be even more significant, especially when one party was counting on being able to receive their ex-spouse’s Social Security retirement benefits. Luckily, this may still be possible. If you live in Winfield, are approaching retirement age, and are divorced, attend one of our free Social Security workshops to learn more about how to maximize your benefit amount.

What Do I Need to Show in Order to Be Able to Collect on the Record of My Ex-Spouse?

In order to be able to collect on the record of an ex-spouse, you must be able to demonstrate to the Social Security Administration that:

  • Your marriage lasted for at least 10 years before it was dissolved;
  • You have not remarried (or, if you did remarry, that marriage was terminated);
  • You are at least 62 years old;
  • Your ex-spouse is eligible for Social Security benefits on their own record; and
  • The amount of Social Security benefits that you would claim on your own record is lower than it would be on the record of your spouse.

Can I Keep Working and Receive Social Security Benefits in Winfield?

If you are divorced and eligible for Social Security benefits–whether disability or retirement benefits–on the record of your ex-spouse, you are eligible to begin claiming these benefits when you turn 62. However, if you are still working and would like to continue working, this could have an effect on your benefit amount. Here’s what you need to know:

  • If you are under full retirement age… If you are under full retirement age and want to receive your Social Security benefits and continue earning an income, your retirement benefit amount will be reduced by $1 for every $2 earned passed the annual income limit (which changes every year.
  • If you are at full retirement age or older… If you have reached your full retirement age or are older than this, you may continue working and receive benefits from the Social Security Administration with a smaller reduction. The income limit is raised significantly, and the deduction will change to $1 for every $3 earned.

In most cases, it is highly advised that you wait until reaching full retirement age–or later–before claiming your benefits, whether on your own record of on the record of an ex-spouse. This helps to ensure that you receive your maximum benefit amount.

Learn More About How to Collect an Ex-Spouse’s Benefits

If you are ready to learn more about how to collect an ex-spouse’s benefits in Winfield, we can help. At Harvest Social Security QA, we believe in providing members of our community with the educational tools that they need to make smart decisions, which is why we host free Social Security workshops near Winfield. If you are ready to sign up for your free workshop today, simply follow the registration information on our website. We look forward to seeing you there!

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.