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I am retiring at 63 and getting married for the 1st and hopefully only time in my life. My wife will be a foreigner and i will be living overseas in her country. IRRC after 12 years;then should i die will she receive any of my SOCIAL SECURITY BENEFITS?
I am retiring at 63 and getting married for the 1st and hopefully only time in my life. My wife will be a foreigner and i will be living overseas in her country. IRRC after 12 years;then should i die will she receive any of my SOCIAL SECURITY BENEFITS?
Thanks in advance.
It depends on a number of factors.
You must be married for 10 years before you pass.
Your country of residence (some countries qualify, others you must live in the USA for five years)
In my case Peru, we must move to the USA for five years.
Your wife is not eligible to collect your benefits until she reaches retirement age.
If you take benefits before age 66, her benefits will be affected and further reduced if she starts collecting prior to her full retirement age.
I am retiring at 63 and getting married for the 1st and hopefully only time in my life. My wife will be a foreigner and i will be living overseas in her country. IRRC after 12 years;then should i die will she receive any of my SOCIAL SECURITY BENEFITS?
Thanks in advance.
I think that's just great. Nice to start an adventure at that age.
just curious, is the younger women eligible gets social security after the husbands pass away. Let's say he is collecting social security already, pass away in his 70, but has younger wife 55 years old. So does it means she will get his social security when she reach retirement age.
just curious, is the younger women eligible gets social security after the husbands pass away. Let's say he is collecting social security already, pass away in his 70, but has younger wife 55 years old. So does it means she will get his social security when she reach retirement age.
She will get the greater of her own SS or, if hers is lower than 1/2 of his, she will get hers + however much it takes to equal 1/2 of his. Example: Say his SS is $1600 and he has retired and is collecting. Say her SS will only be $700 when she is full retirement age. If she files for spousal at that time she will get her $700 + $100 more = $800 total (half of his amount). She can collect this whether he is alive or dead, as long as she doesn't
remarry. Even if they divorce, as long as they were married 10 years, she can collect unless she remarries.
edited to add....this is true even if the genders are reversed.
She will get the greater of her own SS or, if hers is lower than 1/2 of his, she will get hers + however much it takes to equal 1/2 of his. Example: Say his SS is $1600 and he has retired and is collecting. Say her SS will only be $700 when she is full retirement age. If she files for spousal at that time she will get her $700 + $100 more = $800 total (half of his amount). She can collect this whether he is alive or dead, as long as she doesn't
remarry. Even if they divorce, as long as they were married 10 years, she can collect unless she remarries.
edited to add....this is true even if the genders are reversed.
OP is referring to Survivor Benefits, not spousal benefits.
Assuming the couple was married for at least 9 months, she did not remarry before age 60, and she waits until she reaches her full retirement age to apply for Survivor benefits, she will be eligible to receive an amount equivalent to what he was drawing when he passed away. In the above example, $1600/mth.
oops, yes I got that mixed up. Is there any way to delete my own post after I can no longer edit it?
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