Social Security Rules for Married and Divorced People | J.P. Morgan (2024)

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Social Security Rules for Married and Divorced People | J.P. Morgan (2024)

FAQs

How will the Social Security spousal rule change in 2024? ›

The current spouse benefit is based on 50 percent of the PIA of the other spouse. Reduce this percent each year by 1 percentage point beginning with newly eligible spouses in 2024, until the percent reaches 33 in 2040.

How much of my ex-husband's Social Security will I get when he dies? ›

You are eligible to receive one-half (50%) of your ex-spouse's retirement benefit. If your ex-spouse should die before you, you can receive their full retirement benefit.

What is the new Social Security rule for spousal benefits? ›

A Social Security spousal rule that has been around for decades officially ends this year for everyone except those who turned 70 on Jan. 1, 2024. The rule allows recipients to switch between their benefits and their spouse's to receive the maximum amount.

Can my ex-wife get my Social Security disability? ›

Your ex-spouse is entitled to Social Security retirement or disability benefits. Your ex-spouse may not have applied for benefits, but qualifies for them and is age 62 or older. In that case, you can receive benefits on his or her work record if you've been divorced for at least two years.

How much does a surviving divorced spouse get from Social Security? ›

Divorced people can receive survivor benefits of 71.5 percent to 100 percent of the late former spouse's benefit amount, depending on your age when you claim. In most cases, you still must have been married for 10 years. Your survivor benefits do not affect those paid to an ex's widow or widower, and vice versa.

How much Social Security does a divorced wife get? ›

How much Social Security does a divorced spouse get? A divorced spouse can receive up to 50% of their ex-spouse's full retirement benefit. You must wait until you reach full retirement age if you want to claim your full benefit. For most people, full retirement age for Social Security is between 66 and 67.

What is the loophole for Social Security spousal benefits? ›

The first exception, which can be deemed as the Social Security spousal benefits loophole, works where an individual who remarries at 60 or later may still be entitled to Social Security survivors' benefits if the second marriage ends before the death of the first spouse.

Can a second wife collect Social Security from her husband? ›

Each survivor benefit can be up to 100% of your benefit. The amount may be reduced if the women start benefits before their own full retirement age, but they don't have to share — the amount isn't reduced because you've had more than one spouse.

At what age can a wife take half of her husband's Social Security? ›

When a worker files for retirement benefits, the worker's spouse may be eligible for a benefit based on the worker's earnings. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care.

Can a divorced woman get her husband's Social Security? ›

Any person with a previous marriage that ended in divorce is eligible if the ex-spouse was fully insured for Social Security benefits and the marriage lasted at least 10 years. A person with a previous marriage that ended in widowhood is also eligible if the spouse was fully insured.

What are the three ways you can lose your Social Security? ›

Social Security: 4 Ways You Can Lose Your Benefits
  • You Forfeit Up To 30% of Your Benefits by Claiming Early. ...
  • You'll Get Less If You Claim Early and Earn Too Much Money. ...
  • The SSA Suspends Payments If You Go To Jail or Prison. ...
  • You Can Lose Some of Your Benefits to Taxes. ...
  • You Can Lose SSDI in a Few Different Ways.
Mar 25, 2024

How long can my ex-wife claim my pension years after divorce? ›

There is no hard and fast rule on this. Generally, a claim can be brought at any time until a consent order is put in place. However, waiting too long after your divorce could make obtaining a share of your former spouse's retirement benefits more difficult, or even impossible.

Do I get my ex husband's full Social Security if he dies? ›

If you are the divorced spouse of a worker who dies, you could get benefits the same as a surviving spouse, provided that your marriage lasted 10 years or more. Benefits paid to you as a surviving divorced spouse won't affect the benefit amount for other survivors getting benefits on the worker's record.

Can a divorced woman collect Social Security from a deceased ex-husband? ›

A divorced woman's Social Security benefit can be based on her ex-husband's earnings alone, her deceased husband's or deceased ex-husband's earnings alone, her own earnings alone, or a combination of earnings.

Can I collect 100 of my ex husband's Social Security? ›

If you meet the requirements, you can receive benefits equal to as much as 50% of your ex's retirement benefit. Filing for these benefits is a fairly straightforward process, and to protect your privacy, your ex-spouse won't be notified when you do. Social Security Administration.

Can a divorced spouse collect survivor benefits? ›

You must have been married to your ex-spouse for 10 years or more. If you've remarried, you can't collect benefits on your former spouse's record unless your later marriage ended by annulment, divorce, or death.

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