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Old 02-08-2018, 02:43 PM
 
200 posts, read 333,709 times
Reputation: 88

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Quote:
Originally Posted by volosong View Post
As I understand it, (and who really does fully?), your benefit will never "go down". However, it will not get larger either, (other than the yearly COL increases). Pretty sure a benefit is based on the 35 highest earning quarters, or something like that.

I could very well be wrong on this. Do as Heidi60 suggests: go into the office and talk with the experts.
I think there are very few "experts" at your local Social Security office...or on the phones...Out of over a dozen people I spoke to last year at Social Security, only one knew what she was talking about. So I made sure I had her direct line written down. She was a real gem in a department of government bozos.
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Old 02-08-2018, 03:54 PM
 
Location: Northern panhandle WV
3,007 posts, read 2,175,781 times
Reputation: 6696
Quote:
Originally Posted by AZDesertBrat View Post
Okay...I meet all of that criteria. I guess I'll have to contact SS and see what they say. I have a hunch though, that half of his would probably equal what my full benefit is so would it even be worth it?
It would be worth it if you collect your survivor benefit until you are 70 then switch to your own which would be higher due to extra credits.
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Old 02-10-2018, 06:23 AM
 
Location: Verde Valley AZ
8,623 posts, read 9,694,429 times
Reputation: 11007
Quote:
Originally Posted by arwenmark View Post
It would be worth it if you collect your survivor benefit until you are 70 then switch to your own which would be higher due to extra credits.

None of that applies to me. I'm not a "survivor". I'm divorced and the ex is very much alive. Also, I'm 75 and have been getting SS since age 62. I was just curious about whether I could benefit, at all, from the ex's SS at this point in time.
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Old 02-10-2018, 03:18 PM
 
Location: Ohio
19,946 posts, read 14,253,131 times
Reputation: 16117
Quote:
Originally Posted by AZDesertBrat View Post
None of that applies to me. I'm not a "survivor". I'm divorced and the ex is very much alive. Also, I'm 75 and have been getting SS since age 62. I was just curious about whether I could benefit, at all, from the ex's SS at this point in time.
Not unless he dies.

If you're presently married, you won't be able to collect his benefits when he dies.
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Old 02-11-2018, 12:57 AM
 
8,080 posts, read 13,472,156 times
Reputation: 10322
Quote:
Originally Posted by MadManofBethesda View Post
So, if you are a widow or widower, you may start your survivor benefit independently of your retirement benefit if you restrict the scope of your application.
I have been researching my situation for a year and even had an appointment at the SS office last year and
yet I just learned about this "Restrict the scope of the application" a few days ago.
It seems if you are careful that the application states that wording that you can draw as a surviving
spouse (even if it's an ex) and then switch to your own SS later.

Mine options are so complicated that it confuses everyone I have asked, even a SS seminar speaker I attended.
I have 3 benefits to choose from
1)a living EX from a 10 year marriage
2) as a widow from my last marriage
3) my own benefit.

I am 60 and need to decide the best strategy.
Now that I know about "restricting the scope of my application" it seems that
I can draw as a widow now and switch to either my own or my ex's at full retirement age or
maybe 70 .

I also want to consider that if my EX (first husband) dies I could draw his full amount as his surviving ex wife and that would be much more than any of the other amounts. If I draw as a widow to my most recent husband I wonder if that affects drawing from the other. I don't wish for him to die before me but I am just thinking ahead of the best benefit strategy.
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Old 02-11-2018, 02:04 AM
 
4,508 posts, read 2,126,684 times
Reputation: 9532
Quote:
Originally Posted by Winter Sucks View Post
They must have changed it. When I informed Soc Sec that he passed away 10 years ago, they said I could collect his at 60.
The best advice I can give is never, ever believe a single word a SS rep tells you. I'm now 74 and things have gone smoothly for years, but when I started collecting and I'd say the first 2 or 3 years, you wouldn't believe the things I was told that were outright lies. Once when I challenged what one of them was saying, I was informed that "they" aren't responsible for what someone else told me.


They are the epitome of the left hand not knowing what the right hand is doing.
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Old 02-11-2018, 02:24 AM
 
8,080 posts, read 13,472,156 times
Reputation: 10322
Quote:
Originally Posted by MyNameIsBellaMia View Post
The best advice I can give is never, ever believe a single word a SS rep tells you. I'm now 74 and things have gone smoothly for years, but when I started collecting and I'd say the first 2 or 3 years, you wouldn't believe the things I was told that were outright lies. Once when I challenged what one of them was saying, I was informed that "they" aren't responsible for what someone else told me.


They are the epitome of the left hand not knowing what the right hand is doing.
That is the truth. One lady on the phone told me I could never draw from my ex's record (10 year marriage) because I had remarried. Despite the fact that my 2nd husband had passed away.

I knew she was wrong so I called back to ask another person and got her and she said I could not just keep calling to get the answer I wanted.

Then I made an appointment and was told I was correct.
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Old 02-11-2018, 02:27 AM
 
8,080 posts, read 13,472,156 times
Reputation: 10322
Quote:
Originally Posted by AZDesertBrat View Post
None of that applies to me. I'm not a "survivor". I'm divorced and the ex is very much alive. Also, I'm 75 and have been getting SS since age 62. I was just curious about whether I could benefit, at all, from the ex's SS at this point in time.
Quote:
Originally Posted by Mircea View Post
Not unless he dies.

If you're presently married, you won't be able to collect his benefits when he dies.
She isn't married.

I don't know why you could not draw the greater option. Yours or 1/2 of your ex's.
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Old 02-11-2018, 02:39 AM
 
71,761 posts, read 71,853,273 times
Reputation: 49307
Quote:
Originally Posted by kelly237 View Post
I have been researching my situation for a year and even had an appointment at the SS office last year and
yet I just learned about this "Restrict the scope of the application" a few days ago.
It seems if you are careful that the application states that wording that you can draw as a surviving
spouse (even if it's an ex) and then switch to your own SS later.

Mine options are so complicated that it confuses everyone I have asked, even a SS seminar speaker I attended.
I have 3 benefits to choose from
1)a living EX from a 10 year marriage
2) as a widow from my last marriage
3) my own benefit.

I am 60 and need to decide the best strategy.
Now that I know about "restricting the scope of my application" it seems that
I can draw as a widow now and switch to either my own or my ex's at full retirement age or
maybe 70 .

I also want to consider that if my EX (first husband) dies I could draw his full amount as his surviving ex wife and that would be much more than any of the other amounts. If I draw as a widow to my most recent husband I wonder if that affects drawing from the other. I don't wish for him to die before me but I am just thinking ahead of the best benefit strategy.
Being only 60 and not grand fathered in you cannot file restricted on a living ex . That ended in 2015 unless you were 62 or older . You get your own benefit only and if 1/2 his is more than your full you get a spousal adder to yours .but you cannot take a living ex's benefit and leave your own to grow anymore
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Old 02-11-2018, 02:47 AM
 
8,080 posts, read 13,472,156 times
Reputation: 10322
Quote:
Originally Posted by mathjak107 View Post
Being only 60 and not grand fathered in you cannot file restricted on a living ex . That ended in 2015 unless you were 62 or older . You get your own benefit only and if 1/2 his is more than your full you get a spousal adder to yours .but you cannot take a living ex's benefit and leave your own to grow anymore
I meant a restricted drawing as a widow/surviving spouse of my 2nd husband while my benefit of my ex
or my own grows.
The info reads that widows can file a "restricted scope"
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