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Old 04-06-2016, 09:51 AM
 
Location: New Jersey
12,764 posts, read 7,826,042 times
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Quote:
Originally Posted by mathjak107 View Post
because it is referring to filing restricted application on the spouse which is being phased out as of 2020 . you are grandfathered in if born in 1953 or earlier .

that option will be no longer possible for someone born after 1953 . all they get is their own with a potential spousal adder if 1/2 the spouses full is more then your full , but you cannot let your own grow ,.
Thanks. Reading government information is not my strong suit!

So, since I was married for over ten years (I was 18 when married), I think I'll make an appointment with SS to start receiving half my ex's SS until I reach full retirement age 66.

Right now I'm living on savings and thought I'd have to start SS at 65 instead of 66. He earned a lot of money, so maybe I can live on half of his for a while. Hmm, hopefully!
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Old 04-06-2016, 09:58 AM
 
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yep , and as you see that is quite a major benefit being taken away from those born pre 1954
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Old 04-06-2016, 11:14 AM
 
Location: Whidbey Island, WA
12,272 posts, read 11,326,033 times
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Why am I not seeing any benefit of the restricted application?
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Old 04-06-2016, 11:48 AM
 
71,586 posts, read 71,751,865 times
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well I am delaying mine until 70 . at 67-1/2 I am filing for 1/2 my wifes benefit on a restricted application when she files at 70 . .

all that money I get while waiting which is thousands a year is money I would never get if I couldn't file restricted application . I would just get nothing while delaying .

Last edited by mathjak107; 04-06-2016 at 12:21 PM..
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Old 04-06-2016, 02:55 PM
 
Location: Blue Ridge Mountains
1,827 posts, read 2,617,586 times
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Mathjak would you mind answering 1 more question? I was born april 1954 and just got 3 different answers from social security office. I filed to start benefits at 62. I was divorced after 10 years of marriage. I will collect my benefits and ugggggh former spouse benefits are only 49 extra a month. If God forbid (we are good friends) xhubby passes away when am FRA can I collect his benefits since they are higher than mine? Thanks in advance if you can answer this!
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Old 04-06-2016, 03:05 PM
 
Location: Baltimore, MD
3,745 posts, read 4,218,356 times
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Quote:
Originally Posted by Fox Terrier View Post
Thanks. Reading government information is not my strong suit!

So, since I was married for over ten years (I was 18 when married), I think I'll make an appointment with SS to start receiving half my ex's SS until I reach full retirement age 66.

Right now I'm living on savings and thought I'd have to start SS at 65 instead of 66. He earned a lot of money, so maybe I can live on half of his for a while. Hmm, hopefully!
When you file before full retirement age, you are deemed to have filed for both your benefit and your spousal benefit. Therefore, if your benefit (reduced for early retirement) is larger than 1/2 of your ex's SS (also reduced because of the early retirement), you will not receive benefits on the ex's record.

In addition, when you file pre FRA your retirement benefit will be permanently reduced.
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Old 04-06-2016, 03:22 PM
 
Location: Mount Airy, Maryland
10,461 posts, read 5,928,514 times
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Quote:
Originally Posted by LoveBoating View Post
Well, whatever rules have changed, they don't affect wife and I. Guess we are lucky!
If being old is considered lucky then congrats.
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Old 04-06-2016, 04:02 PM
 
71,586 posts, read 71,751,865 times
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Quote:
Originally Posted by LiveLoveLaugh View Post
Mathjak would you mind answering 1 more question? I was born april 1954 and just got 3 different answers from social security office. I filed to start benefits at 62. I was divorced after 10 years of marriage. I will collect my benefits and ugggggh former spouse benefits are only 49 extra a month. If God forbid (we are good friends) xhubby passes away when am FRA can I collect his benefits since they are higher than mine? Thanks in advance if you can answer this!
you can get what he was collecting but if you file before your own fra that amount is cut . there is a multiplier that is used as a floor to keep you from getting to much of a cut so i believe you can't get less then his full less x.81 if 62
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Old 04-06-2016, 05:41 PM
 
5,426 posts, read 3,450,730 times
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LiveLoveLaugh, I was on the phone with the national Social Security help line at socialsecurity.gov https://www.socialsecurity.gov this afternoon for over a half-hour asking various questions.

One of my questions was your very question at your post #45. It was verified to me that if my ex-spouse passes away I can, as a surviving spouse, collect a larger monthly allotment by filing on his benefits after his death.

The requirement is to have been married 10 years or longer before divorcing.

I'm collecting on my own benefits now because one-half of his benefits (or application of the formula) were smaller than my own benefits, and one must take the higher amount.

Last edited by matisse12; 04-06-2016 at 07:10 PM..
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Old 04-06-2016, 05:46 PM
 
71,586 posts, read 71,751,865 times
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but don't forget if you file before your own fra that survivor benefit is cut
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