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Old 06-10-2014, 03:58 PM
 
Location: land of ahhhs
277 posts, read 298,324 times
Reputation: 489

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Had you told me this would happen, I'd have thought you mad, but it looks like my current position is ending, and I will have to seek new job or retire. I want to continue to work in some capacity, so am considering different options. Question: I am divorced since '88 after 18 year marriage, never remarried, and, at 67, plan to wait to 70 to file for SS. Now, with financial pressures, I'm seeking other income streams. Can I file on ex? He is 71 and remarried. If I do, how will it affect my own payment at 70? I understand that if I do file, it would not affect his own payment, right?

Thanks for any input.
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Old 06-10-2014, 05:25 PM
 
Location: Baltimore, MD
3,745 posts, read 4,217,509 times
Reputation: 6866
Quote:
Originally Posted by mastequila View Post
Had you told me this would happen, I'd have thought you mad, but it looks like my current position is ending, and I will have to seek new job or retire. I want to continue to work in some capacity, so am considering different options. Question: I am divorced since '88 after 18 year marriage, never remarried, and, at 67, plan to wait to 70 to file for SS. Now, with financial pressures, I'm seeking other income streams. Can I file on ex? He is 71 and remarried. If I do, how will it affect my own payment at 70? I understand that if I do file, it would not affect his own payment, right?

Thanks for any input.
Not only can you file for divorced spouse benefits now, you could have filed when you reached full retirement age. You will continue to receive delayed credits on your own record, regardless of your filing on the ex's record.

Your receipt of divorced spousal benefits will not reduce your ex's benefit.

It's all good!
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Old 06-10-2014, 06:19 PM
 
Location: Saint Johns, FL
1,192 posts, read 942,423 times
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Lenora's answer was absolutely correct. Since you are over 66, it will also not be affected by what you earn.

Ask about the numbers.... if your spousal benefit is less than your age 70 benefits, it's important they know you are filing spousal only.
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Old 06-10-2014, 10:05 PM
 
Location: land of ahhhs
277 posts, read 298,324 times
Reputation: 489
Thanks to you both. That money might make a difference between full time/part time. Time to burn all those FF miles before they're totally worthless. I suspect my own benefit will be higher than spousal benefit. I think I probably earned more than spouse (although he had two incomes so is better off financially). I sure don't want to do anything that will lower my ultimate age 70 benefit, so when I talk to SS, I'll be sure to be clear. My goal is highest monthly cash flow, not highest lifetime income.
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Old 06-11-2014, 12:15 PM
 
223 posts, read 274,604 times
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When you talk to Social Security, be sure to ask them to prorate your benefits by going back 6 months. I have a friend who was in a similar situation, though she planned to simply file for benefits on her ex-husband's account at age 70 because she hadn't worked outside of the home much in her lifetime. She found herself really broke at 66 and 67, but didn't file because she thought that she'd get more by waiting until she was 70.

Out of desperation, she filed on her ex's account at age 68 and learned that she could have gotten the full amount of her spousal benefit once she reached full retirement age. The only saving grace was that Social Security was able to backdate her claim and pay her a lump sum for the prior 6 months. Unfortunately, she missed out on a few years of benefits.
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Old 06-11-2014, 12:54 PM
 
Location: Charlotte, NC dreaming of other places
983 posts, read 2,177,631 times
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Here is a question, does it matter how long a couple were married to be able to file for that Ex SS? what are the rules, where can read about this? I get lost on the SSA website.
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Old 06-11-2014, 02:17 PM
 
Location: in the miseries
3,302 posts, read 3,579,794 times
Reputation: 3810
10years.
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Old 06-11-2014, 02:48 PM
 
Location: Charlotte, NC dreaming of other places
983 posts, read 2,177,631 times
Reputation: 785
Dang.. guess I am not getting anything :-)
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Old 06-11-2014, 02:48 PM
 
Location: Northern panhandle WV
3,007 posts, read 2,171,440 times
Reputation: 6691
Quote:
Originally Posted by happehart View Post
Here is a question, does it matter how long a couple were married to be able to file for that Ex SS? what are the rules, where can read about this? I get lost on the SSA website.
you must have been married at least 10 years and not a DAY less. Many couples had almost ten and had divorce final a bit before ten years in which case NO BENEFITS.

Also you must wait TWO years from the time of the divorce. Hope that helps, oh if you qualify for spousal benefits then you would also qualify for survivor benefits if you Ex. died.
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Old 06-11-2014, 02:52 PM
 
Location: Charlotte, NC dreaming of other places
983 posts, read 2,177,631 times
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Thank you Luvmyhoss and arwenmark.. 5 years were enough for this one, SS is not worth it.
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