U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 03-25-2015, 07:34 PM
 
Location: Central IL
15,253 posts, read 8,560,668 times
Reputation: 35693

Advertisements

Hi -
I thought I understood the topic but I'm confused about whether his benefit would be less than mine....so I wouldn't qualify to collect on his.

Here's the situation - we were married for 12 years and have been divorced for 15.

I'm considering whether I could collect spousal benefits at my FRA of 67 and then wait to collect on my own employment record at 70. His income has always been maybe 10% more than mine so I would expect his benefit to be slightly more than mine, in general. But does that matter? Is it that I'd have to collect MINE at 67 because it would be more than the spousal portion from him? What percentage of his benefit would I be able to collect at 67? Would it be 50% or something different?
Reply With Quote Quick reply to this message

 
Old 03-26-2015, 11:06 AM
 
Location: Northern panhandle WV
3,007 posts, read 2,177,266 times
Reputation: 6696
If you wait till your full retirement age you have the option of applying for either your own or 50% of his even if yours would be more, you would file a restricted application for your spousal benefits. and let your own grow till age 70.

If you file before FRA you have to file for all benefits to which you are entitled and so your own would likely be higher and you would have to take those, also they would be reduced because you were filing early.

So waiting till full retirement age gives you options.
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 06:42 PM
 
Location: Central IL
15,253 posts, read 8,560,668 times
Reputation: 35693
Quote:
Originally Posted by arwenmark View Post
If you wait till your full retirement age you have the option of applying for either your own or 50% of his even if yours would be more, you would file a restricted application for your spousal benefits. and let your own grow till age 70.

If you file before FRA you have to file for all benefits to which you are entitled and so your own would likely be higher and you would have to take those, also they would be reduced because you were filing early.

So waiting till full retirement age gives you options.
Thanks! ...this was exactly what I was hoping to confirm!
Reply With Quote Quick reply to this message
 
Old 03-27-2015, 02:00 AM
 
71,806 posts, read 71,896,917 times
Reputation: 49359
divorced people can apply for spousal benefits on each other too unlike married who only get 1 benefit to pick from.
Reply With Quote Quick reply to this message
 
Old 03-28-2015, 12:01 PM
 
Location: Central IL
15,253 posts, read 8,560,668 times
Reputation: 35693
Quote:
Originally Posted by mathjak107 View Post
divorced people can apply for spousal benefits on each other too unlike married who only get 1 benefit to pick from.
Interesting....so he could also "benefit" by getting half of mine at his FRA which could help him hold out until 70 for his own higher benefit?
Reply With Quote Quick reply to this message
 
Old 03-28-2015, 12:03 PM
 
71,806 posts, read 71,896,917 times
Reputation: 49359
yep , divorced people have the option of filing spousal on each other.
Reply With Quote Quick reply to this message
 
Old 03-28-2015, 04:07 PM
 
30,165 posts, read 47,394,029 times
Reputation: 16116
Quote:
Originally Posted by mathjak107 View Post
divorced people can apply for spousal benefits on each other too unlike married who only get 1 benefit to pick from.
2 benefits if you consider self and spousal--
Better one good marriage though than many options for spousal benefits IMO...
Reply With Quote Quick reply to this message
 
Old 03-28-2015, 04:10 PM
 
30,165 posts, read 47,394,029 times
Reputation: 16116
Quote:
Originally Posted by reneeh63 View Post
Interesting....so he could also "benefit" by getting half of mine at his FRA which could help him hold out until 70 for his own higher benefit?
But my understanding is that only 1 person in a marriage can receive only spousal benefits--
Which sometimes precludes the male from doing that...

Meaning if he is drawing spousal benefits from your/divorced spouse's SS earnings, I don't think his current wife can draw spousal on his SS.

But I am not expert--just been reading up lately
Reply With Quote Quick reply to this message
 
Old 03-28-2015, 04:20 PM
 
Location: Central IL
15,253 posts, read 8,560,668 times
Reputation: 35693
Quote:
Originally Posted by loves2read View Post
2 benefits if you consider self and spousal--
Better one good marriage though than many options for spousal benefits IMO...
Hahaha...what's done is done and this is better than nothing, especially since it has no negative impact on his benefits!
Reply With Quote Quick reply to this message
 
Old 03-28-2015, 04:25 PM
 
30,165 posts, read 47,394,029 times
Reputation: 16116
My SIL was married for almost 60 yrs to a guy who was a creep--long story... She finally divorced him late in life because she just couldn't face having the last decade or more of her life ruined by him and his actions...
It wasn't easy and is still a hardship in some ways but she hasn't regretted doing it.
So yes-- divorce is the only answer in some cases...
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top