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Hi everyone, I was reading thru the 2019 S.S. retirement benefit rules\laws in a PDF file and I have some questions referring to that. I'm not sure exactly what it means. Can anyone help me out?
I quote: "If you are at least full retirement age and qualify for your own retirement benefts and also spouse's ( or divorce spouse ) benefits; you can choose to restrict your application, apply for one of the benefits, and delay applying for the other until a later date.
Under a law passed in 2015, people born on or after January 2, 1954 no longer have this option. If they qualify for both their own retirement and spouse's ( or divorced spouse's ) benefits, they must apply for both benefits. This is called "deemed filing". If you file for one benefit, you are "deemed" to file for the other one, too, even though you don't become eligible for it until later. "
So what does this mean? I am divorced but its confusing because it speaks of spouse but it sounds like it applies to an ex spouse as well. does this mean I also get to do the "deemed filing" ? I do qualify for my own benefits.
Also, I have heard and read that to file for benefits should be 6 months before, i Also heard 3 months. Which is it?d
unless you were 62 in 2015 you have to file for your own benefit ....
if you are due any spousal adder it goes on top of your own . the total can never be more than 1/2 your spouse or ex spouses full .. you can't just file for spousal leaving your own to grow unless you were 62 in 2015
Thank you all for your help : ) thank you Donna for the very informative links. It looks like i don't qualify for the Deemed filing. I was not 62 in 2016. To answer you other question, i was married 17 yrs.
Another wealth of information Mathjak, i appreciate that, many thanks!
If your ex husband dies, you can claim his benefit, and defer yours until 70 if you haven’t filed yet. Or if his benefit is higher than your own, you can take the higher benefit after he passes away.
Last edited by organic_donna; 02-23-2019 at 06:18 PM..
Thanks everyone for all your help. So now I have better clarity. I do have one other question and that is he will be 62 next fall. Could I retire on my own benefit since I have my own record and be able to collect 1\2 of his since he made way more money than me?
What you get is your own benefit , then —— they take your full retirement age amount and subtract it from 1/2 his full amount ...any difference is added to your benefit...the two together can never exeed half his full amount
Remember , it is based on fra amounts regardless of when you filed ... you also can not get that adder until he files too
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Informative links
