Social Security: Marriage, Divorce & Death Benefits

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Who is the spouse?: • Social Security: Marri...
Spouse Dies: • Social Security: Marri...
Ex-Spouse rules: • Social Security: Marri...
Spousal benefits: • Social Security: Marri...
Ex-spouse dies - Survivor Benefits: • Social Security: Marri...
Ex-spouse not claiming yet: • Social Security: Marri...
Does claiming against Ex hurt them or new spouse?: • Social Security: Marri...
Getting divorced in order to qualify for benefits: • Social Security: Marri...
What happens to my Social Security when:
I lose my spouse?
I get divorced?
My ex-spouse dies?
I get remarried?
Can I claim against an ex-spouse and will they know?
What will my benefit be?
Do I have to wait until 62?
What can I do to get more from Social Security?
In this episode we answer the common questions asked about Social Security from people who lost a spouse due to death or divorce. If you want to learn how to get the most out of Social Security in these situations, tune in!
For more on this an other podcasts:
Social Security Maximization:
www.dolphinfin...
Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies: www.dolphinfinancialgroup.com
Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group. Dolphin Financial Group nor anyone on this video works for Social Security or any government agency.
For more information on this podcast:
www.dolphinfin...

[@carmenvictoria7940]

They should have given a course on this when you were in School, I can understand what you are explaining now, but had I known this 60 year’s ago, my life would have been different. Now I understand why there are so many old people on SSI.

[@Dolphinfinancialgroupfl]

Many financial topics are best learned at a young age.

[@archerrealty9909]

Very informative, it's all of those 'what ifs' that are difficult to understand. But the best idea is at the end for the senior Mom!

[@Dolphinfinancialgroupfl]

Thanks. It always feels strange when getting a divorce is the next step to increase Social Security benefits...but it happens!

[@susiedarling3350]

But I don’t want to divorce him. That would not glorify God. Could you tell me where all the money my two veteran husbands paid is going?

[@user-vf7cl3mh7t]

I was disabled for yrs. I was asked to come in for review for SSI then when speaking to the Representative he seemed surprised that I was looking at some back pay and I was really surprised that he said I was due for survivor benefits however we have to penalize you for 2 years because you didn't apply at 50 yrs old I was 54 at this time. I was told when carrying for my husband that I don't have to worry about nothing until around retirement. So how was i to know that I had to apply for anything why was I not sent a medicare card? They kept 23 Thousand and gave me around 11 thousand. I am 60 now What are my options now and why did they penalize me so much?

[@sueharris6616]

You are the bomb. I really never expected to get a response not only did you respond but in such a timely manner. Thanks for caring enough!

[@Dolphinfinancialgroupfl]

You are welcome Sue. The more people understand Social Security, the better off we will be as a society.

[@robertlulek1634]

@@Dolphinfinancialgroupfl My wife is 45 and I am 60 years old. I plan to take my maximum benefit at age 70. My wife does not work and she’s a stay at home housewife. I want her to have the maximum benefit I believe she’ll have enough money and assets to wait till 67 is that the best strategy for her to get the maximum benefit from my Social Security? Or should she take it at the age of 60? My other question is if I took it at 70 and lived to be 71 I would’ve had a year of benefits. But when I die my wife will not get my benefit anymore until she’s at least 60 correct? So I told her to wait 67 to start drawing again would that be the right strategy?

[@Dolphinfinancialgroupfl]

@@robertlulek1634 Since you are waiting until 70 to claim yours, that will serve as the Survivor benefit for your wife after you pass away. As for when she should take hers, that's a decision best made after some math. 62 is the earliest she can take her own record, unless disabled. You can request a SS Maximization Report here: www.dolphinfinancialgroup.com/social-security-maximization-florida.php

[@robertlulek1634]

@@Dolphinfinancialgroupfl Thank you but if she does wait till 67 she would get the maximum benefit correct? She’s in very good health and I think that you’ll live a long time so I think that would be a bit better choice. Also I mentioned she does not have a work record so it would be solely based upon my Social Security

[@Dolphinfinancialgroupfl]

@@robertlulek1634 If your wife doesn't have her own benefit, she can claim against your benefit as early as 62. She should consider doing so versus waiting until 67 or 70. The "best" scenario will depend on her life expectancy as well as your life expectancy. When you pass away, she can claim your much higher benefit and drop her own. She won't get both benefits, therefore her claiming strategy is highly dependent on your claiming strategy and life expectancy.

[@cindybosch1126]

Great information. Thank you!

[@Dolphinfinancialgroupfl]

Glad it was helpful!

[@victoriabryant7563]

My ex spouse passed away. we were married for over 10 yrs. if I retire at 67 can I take his social security and switch over to mine at 70 for the higher benefit?

[@Dolphinfinancialgroupfl]

This is a potential claiming strategy.

[@reginafisher9919]

It cost my husband less than $100 to get married in Kentucky during covid we got married in the living room we did not buy rings, less is more

[@paulaeloiza1430]

I have a question I was married for more then 10 years and then I got divorced. And then my ex husband died and a car accident. He died young an a car accident. But after hi got divorced from me. He married another women and he had two kids with her . At that time my son was 11 years old. And I never collect any money for son. Now my son is 43 years old. My question is can do something to get benefits from the social security for my son? . I think the second wife of my ex husband collect benefits for her kids. I never been married after I got divorced. Thank you 🙏

[@alexism.7712]

Great informative video, thank you I learned a lot. 👍 💖

[@Dolphinfinancialgroupfl]

You are welcome Alexis.

[@crystalvasquez3591]

My income was higher than my late husband’s, he passed 5 years ago at the age of 79, I am 76 now, so I only get my benefits. His ex wife does .We were married for 39 years. It is just not fair, you still need that income to pay for your mortgage and expenses. Now I can’t afford to keep my house anymore . Changes should be made to correct that . At least have it prorated.

[@Dolphinfinancialgroupfl]

Many people struggle with income when they lose a spouse. Loss of one of the Social Security checks can be a financial disaster. This is a common reason to plan for the loss of a spouse when creating a retirement income plan.

[@Dbb27]

If your benefits were higher you would file under yours. His ex wife filing under his doesn’t have any affect on you whatsoever. You don’t get two benefits. Once deceased you get either your full amount or his full amount, whichever is higher.

[@sueharris6616]

I’m confused do you have to be married for 10 years or 9 months? What is the difference? Is it 9 months if your spouse dies? And 10 years if you divorce?

[@Dolphinfinancialgroupfl]

You have it correct. 10 years if you divorce and 9 months is if you are currently married and spouse dies. There are some exceptions to the 9 month rule such as death from an accident.

[@sueharris6616]

Unfortunately he took his own life after we were married for 2 years 5 months and 24 days. By the way, we remarried each other always lived together and had our 2nd daughter who was 15 when he passed. He passed in 2008

[@Dolphinfinancialgroupfl]

@@sueharris6616 sorry to hear this. Keep in mind that at age 60 you may consider taking a Survivor Benefit. More on that here: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@sueharris6616]

You don’t know how much I appreciate your help on this. That’s the one big question I had that’s been driving me crazy. Thank you kind sir.

[@leannegiles6709]

I'm paying back 1st marriage over payment mother and child he had run and spent the money and this could been dealt with so ssa told me there automatic taken it this is not fare to me cause I married another guy and wonderful and my ex was very abusive and took me out of state and dumped me but it's worth 12 months of he'll but they can't touch me again thanks for this program people need to know this

[@crochetlaboratorycrochet3858]

What if the wife is a teacher and when she retires she will get the teacher pension as well as social security that she earned when she worked 15 years paying into social security? Her teacher job was a second career later in life.

[@Dolphinfinancialgroupfl]

Can you clarify your question? In some states, teachers are ineligible to collect state pensions and Social Security.

[@lenorameade6071]

The 10 year time needs to be changed i am disabled was married for 8 yrs And never married again

[@Dolphinfinancialgroupfl]

Sorry to hear it. You may consider applying for Social Security Disability, which has different qualification rules.

[@adrianwhite7922]

I was marred October 8, 1999 divorce July 22, 2009 ex husband died two months ago Can I get his Social Security?

[@Dolphinfinancialgroupfl]

Sorry Adrian- it appears you were not married for the requisite 10 year period to claim against a former spouse.

[@eladmitchell752]

hi im 58 and waiting on a decision for ssdi,my wife passed in 2017🙏she was on ssdi,we were married 17 years.if her benefits are more than mine i can collect off her benefit right?then switch to my own once it build up ?

[@eb1266]

The flashing lights are annoying. Love your show

[@Dolphinfinancialgroupfl]

We've since upgraded our video situation since making this one. Glad you like the show.

[@maribelarga9362]

Hi sir its me Maribel Metcalfe, im just wanna about my situation, im divorce of my husband and he passed away how do i know do im still to get m binefit of my husband and we have a agreement that he didnt follow to keep our agreement to pay our divorce and passed away already and he didn't pay me yet our agreement sir i need your advice please sir help me thanks so much sir

[@Dolphinfinancialgroupfl]

Payments are administered by the Social Security Administration. They are the ones who would be paying you for your own benefit or your deceased husbands if you qualify. Start by contacting them for your answers: www.ssa.gov

[@SouthernBelle732]

I was married 15 years and then divorced. I worked and retired at 64 rather than waiting to 66 due to my health. I am now 70 and my ex is 69 and still working. Can I now claim on his because he made substantially more plus I stayed home with the kids for 10 years while married?

[@Dolphinfinancialgroupfl]

Yes, it seems so. Contact the SSA and inquire about an increase based on a spousal benefit. kzbin.info/www/bejne/pHTaoGWOm9uga80

[@user-eh2mm9vb7n]

Ok so ex passed in 2021,we were still married but separated. He wasnt receiving benefits but i was n i still am. So what do i do?

[@Dolphinfinancialgroupfl]

You should consider when/if to switch to a Survivor Benefit. Start by contacting SSA to find out your estimated Survivor Benefit.

[@theresacrutcher4449]

PS he is 69 and 62 I file before can I go for spousal benefits if I'm common law married for over over 50 years now he is left the house and I don't get enough money what do I do

[@Dolphinfinancialgroupfl]

Common law rules vary state by state. Contact the SSA for your benefit details.

[@marycarranza2110]

Hello what can you tell me about government shutdown on SSI SSD

[@marycarranza2110]

Im very scared about this

[@Dolphinfinancialgroupfl]

Payments to existing Social Security beneficiaries were not impacted by past government shutdowns. However, new applicants or those needing government services around SS may find delays as some workers are furloughed.

[@marycarranza2110]

Thank you

[@donnasmith4204]

I was married for 23 years, divorced then remarried the same man. We've been married for three years this time around. Would I get his full benefits if something happened to him?

[@Dolphinfinancialgroupfl]

The 10 year rule applies to ex-spouses, which would apply in your case. However, you are currently married so you'd qualify for the Survivor Benefit either way.

[@bethang4452]

I only apply last year for sa from My husband . Can I get back Money since we are married since 2015?

[@Lillian93]

So if my ex spouse (a man) remarries, he loses nothing. But if an ex wife remarries she lost everything???? Not good!!!!! *""How do I got information on OPM benifits?***

[@Dolphinfinancialgroupfl]

The same Social Security rules apply to all.

[@theresacrutcher4449]

I would like to have someone check mine because I have a different situation I've been with him for 50 years I have not received any of his retirement or anything else can someone help me

[@Dolphinfinancialgroupfl]

The only way to get any definitive answers is to contact the Social Security Administration. www.ssa.gov

[@stephaniecoolbaugh9974]

Hi I have a question my mother-in-law is collecting her own Social Security she was married for over 10 years got a divorce he was married less than a year she didn't not get remarried I guess social security told the new wife that she was not eligible now from what I'm hearing is my mother-in-law would be eligible for my father-in-law's Social Security how does she go about that

[@Dolphinfinancialgroupfl]

She needs to contact SSA and provide the details of her situation. SSA will determine what, if anything, she is entitled to. From your summary, it seems like she may be able to get a spousal benefit or a survivor benefit, depending on the status of her ex-spouse.

[@susiedarling3350]

I am 81 years old and I have my own Ss. I have been widowed twice. I was married 25 years and 5 years. I remarried when I was 16 days from being 60. I had no idea I was doing something that would penalize from sharing in their Ss. I was told I did not deserve any of their Ss because I am not a widow. They also said I could have the money when and if I would divorce him or when he dies. Is there anything I can do about this? Susie Darling.

[@Dolphinfinancialgroupfl]

Just to clarify your situation, are you currently still married to the person you married right before turning 60?

[@susiedarling3350]

Dolphin Financial Group yes we have been married 20 years. Can you help me? I now know I should have asked Ss when I was first widowed for his pension.

[@Dolphinfinancialgroupfl]

@@susiedarling3350 you certainly will want to confirm with the SS office, however, my understanding is you can not switch to a widow benefit since you are currently married before age 60. If you got divorced then you could. Also keep in mind, if you did get a survivor's benefit you would lose your own benefit if it is lower...you don't get both.

[@Dolphinfinancialgroupfl]

It sounds like you may be able to claim a Survivor Benefit. It would be 100% of your ex's benefit, but that would make sense only if it is higher than your own benefit. You can't claim both your own and a deceased spouse's.

[@bethang4452]

I did not know that I can get 50 percent of my 80 years old husband . Only last 2022 that I applied . We are married 2015 . Can I get back pay 2016 to 2021?

[@Dolphinfinancialgroupfl]

Maybe. You may be able to get 6 months retroactively depending on your situation. www.ssa.gov/OP_Home/handbook/handbook.15/handbook-1513.html

[@patriciaparker7663]

Can you explain more about Rail Road retirement. I was married 23 he worked on Union Pacific Road I was filing early because a accident at work. I look into Railroad and mine and took the RR however early I was given the wrong info and switch took my SSI I'm still on. At my retirement age I talked with RR would it increase it would stay the same.

[@Dolphinfinancialgroupfl]

The Railroad Retirement system is separate than Social Security. Benefits can be coordinated, but you'll have to contact each entity to get the information you need. It doesn't hurt to call and ask questions - you simply won't know what is best otherwise.

[@susanibarra3015]

I was married to my ex for 11 years, we divorced. I re-married and he passed from cancer. We had been together 10 years. At 60 because of a injury I started to collect survivors benefit. I'm now 67 my ex who I was married to, I want to fill on his ssi..he's now 71. Is this at all possible?

[@Dolphinfinancialgroupfl]

You might be able to switch to your own benefit. Now that you are full retirement age, you would get a higher percentage of your benefit and it may make financial sense. Keep in mind, you only get 50% of a spousal benefit. If your first ex passes, you might be eligible for more if that amount is higher than your current Survivor Benefit. You should call the SS Office to determine get the actual amounts.

[@hamburgersaucerhtug]

AFTER 3 YEARS OF MY DECEASED EX SPOUSE..AFTER 30 YEARS OF MARRIAGE..I DIVORCED HIM IN 20006 .WE WERE BOTH ON SSI WHEN HE PASSED..BUT. BEFOR THAT HE DID WORK BACK THEN WHEN EE HAD OUR GIRLS... WE NEVER REMARRIED AGEN..SO HE DIED 3 YEARS AGO.. IS IT TO LATE TO FILE SURVIVAL FOR DECEASED EX SPOUSE ...IF HE DIED 3 YEARS AGO PLEASE LET ME KNOW THANK. YOU SO MUCH.....IM 60 AND HE WOULD HAD ALSO BEEN 60...

[@Dolphinfinancialgroupfl]

You normally can claim a survivor benefit as early as age 60. However, in your case it may make sense to stay on your own benefit and switch to a survivor benefit at your full retirement age. You'll want to contact your local SS office to get some numbers on your potential survivor benefits before making a decision.

[@g-elite6266]

I am in a very different situation that was explained in this video. I lost my wife 2 weeks ago due to drug use over extended periods of time. She was 38 and I'm 43 so basically I don't have to worry about claiming any survivor's benefits for several more years until I'm at least the age of 60 correct?

[@Dolphinfinancialgroupfl]

Sorry to hear about your loss. Regarding Survivor Benefits, you can get them as early as age 50 if you are on Social Security Disability. Otherwise, age 60 is the earliest.

[@Deanna_32]

I am 71 so was my ex spouse. He recently passed away. Can I switch to his social security amount for survivor benefit and get 100% of his social security? We where married for 35 years. Divorced for 15 years. We both retired at full retirement age.

[@Dolphinfinancialgroupfl]

It certainly sounds like you are entitled to a full Survivor Benefit. You should contact the SSA and find out if it would be an increase to your current benefit.

[@dawnm.hancock8903]

what a rip off social security is you should get both yours and your spouses when a death occurs widows or widowers should not be penalized

[@Dolphinfinancialgroupfl]

Many people don't factor in the loss of Social Security income after the loss of a spouse.

[@josefinabriones2002]

My SS pension is only half of my husband’s SS pension. We both have Federal retirement pension but my federal pension is higher than his. We got divorced and we stayed married for 20 years, can I file a claim on his SS ? Also , my SS has been cut to almost half when I retired because I have federal pension although I contributed to SS for 23 years. I was a single parent then,with no child support.

[@Dolphinfinancialgroupfl]

It seems like you are already getting the spousal benefit and are also dealing with the Government Pension Offset. It will not hurt you to contact Social Security to see if you can get an increase based on Spousal Benefits, in case you aren't already.

[@myrnabragg9313]

Hi my question - my Ex-Spouse ( we were married 20+ years, we have been divorced since 2010. ) my Ex-husband died from Covid related complications. My Ex was claiming SSI disability his age was 57 at time of death. I will be 62 in 5 mos. Is there any SS benefits I , as the EX spouse, can apply for ?

[@Dolphinfinancialgroupfl]

You may be able to claim Survivor Benefits now and switch to your own benefit later. Or, you may be able to take your benefit at 62 and switch to your Survivor Benefit later. It's a complex decision. You can request a SS Maximization Report here: www.dolphinfinancialgroup.com/social-security-maximization-florida.php

[@alicechung4387]

What about ex- spouse for 40 years work for Federal government?

[@victoriabryant7563]

How can I get a maximization report without my ex spouse ss #

[@Dolphinfinancialgroupfl]

Contact us for the report. We do not need any Social Security numbers ever. We only need to know the benefit amounts at your full retirement age, which you can obtain from SSA. www.dolphinfinancialgroup.com/contact-us.php

[@audreymorgan7787]

If your spouse dies before they retire can you get benefits

[@Dolphinfinancialgroupfl]

Survivor benefits are an option for survivors even if the deceased hadn't claimed benefits before death.

[@bettychristmas479]

I am on SSI I've been married over 10 years And divorce and He is deceased now Can I claim any of his benefits

[@Dolphinfinancialgroupfl]

Perhaps you qualify for Survivor Benefits: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@robertgrafft2944]

My understanding in my state to collect your Spouses Full-SS benefits you have to prove U were married for 10 yrs. and be at retirement age or 50vyrs of age if U are Disabled.. ?? Also what if U have been married twice and 1 Spouse died?

[@Dolphinfinancialgroupfl]

That depends if you are currently a widower or still married. Watch this video for more details on Survivor Benefits: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@richardargst157]

I'm 58 and I'm tired of working. Is there a way I could collect a Federal welfare check without waiting until I'm 62?

[@Dolphinfinancialgroupfl]

Perhaps if you file for disability.

[@richardargst157]

@@Dolphinfinancialgroupfl I am not disabled. I do not want to cheat the Federal government. I just want a monthly welfare check like other greedy seniors.

[@ah-1946]

What if you’re common-law married? Do you get anything?

[@Dolphinfinancialgroupfl]

It depends if your state recognizes it: www.ssa.gov/OP_Home/handbook/handbook.17/handbook-1717.html

[@sharonhuff9584]

I love was married 19 year's and then divorced and I'm 60 and on SSI what can happen now?

[@Dolphinfinancialgroupfl]

You may be able to add Social Security retirement benefits to your SSI at 62. SSI and traditional SS benefits are different.

[@KR-hd6lk]

Guys please answer my question.

[@KR-hd6lk]

Guys, what abt this: I was married 24 years. I am a teacher and have STRS and have 5 more years to teach. He always made much more than me. He is turning 62 this year and filing. Can I start collecting my 1/2 of his when he turns 62 this year? He took everything but the kids (who he dumped too), and I really need this extra income. Also, if he dies does his current wife get it or do I?

[@Dolphinfinancialgroupfl]

When you can collect Social Security is based on your age. So if you are eligible for a spousal benefit based on an ex-spouse, now that he is 62 you can possibly claim. Keep in mind, you'd be claiming on your own and getting an increased amount based on a spouse. As for if your ex-spouse dies, you could claim a Survivor Benefit and so can his current spouse. You both can get a Survivor Benefit based on his record simultaneously.

[@KR-hd6lk]

Sorrry the reply wasn’t coming thru. I’m still not clear if I have to wait to claim until I turn 62 or if I can claim now that he is. Also, I have heard that if I will receive STRS I can’t collect his. That makes no sense to me. Is that correct?

[@Dolphinfinancialgroupfl]

You need to eligible for your own to get a spousal benefit. So it sounds like you need to be 62. As for STRS - I assume that it some sort of state pension...that depends on your pension rules. Look into GPO- Government Pension Offset.

[@maripazcorbett2448]

I'm married for 16yrs but he divorced me how and where am I going with ss.and I'm disabled to.

[@Dolphinfinancialgroupfl]

Social Security is available at age 62 for most people. If you are disabled, you can apply for Social Security Disability. You'll need to contact Social Security to get the process started. If you have specific questions, you'll have to provide more detail.

[@ethelbutler9066]

Thank u for the live. I have a question. What if both was marruedc20 years. collecting disability before age 60 and divorce from each other. What's the age to start collecting

[@Dolphinfinancialgroupfl]

You are collecting disability already. Not sure I understand the question.

[@ethelbutler9066]

Thank you Dolphin financial Group I collect full ssdi benefits. Over age 60. Formerspouse. Married over 20 years. My x collecting full ssdi benefits plus he collect 100 percent VA benefits. Disable widower over 50 can collect. Can I collect half or full ssdi benefits from x husband ssa record. Thank you.

[@Dolphinfinancialgroupfl]

@@ethelbutler9066 you can collect either your own benefit or half of former spouse if that is more.

[@ethelbutler9066]

@@Dolphinfinancialgroupfl thank you i am 60 now do I have to wait till 62. Will my status change from disable ssdi to retirement if I collect half of my x. My x ssdi is 1300 more then mine.

[@Dolphinfinancialgroupfl]

@@ethelbutler9066 I am not certain on SSDI benefits as they do have some specific rules that are different. But, generally speaking, when you claim half of a spouse, it is only if that is more than your own. What happens is you get your own benefit, then an additional amount is added to "step-up" to what one half of your spouse's would be. So in your case your own record would need to be near or below $1,000/m for this to occur. Additionally, if your ex is still alive, you need to be 62 to claim against them, but can claim against a deceased ex-spouse at age 60. I do recommend you contact your local Social Security office to get the actual numbers and confirm the rules. Good luck!

[@tinkers9449]

I was leagally married nine years and 5 months but he never left so we were together for much longer than ten years. What can I do.

[@Dolphinfinancialgroupfl]

The 10 year rule is specific and strictly followed. Unless your marriage certificate and divorce decree show ten years, I think you are out of luck. Was your divorce formally documented?

[@ginavalencia4602]

What about if you’re not devorce but separated for many years, been together more then ten years

[@Dolphinfinancialgroupfl]

For regular Social Security benefits, the government is concerned with how long you were legally married. If you didn't get divorced, then you should be all set. Please check with your local SS Office to confirm.

[@laveineharley5359]

In order to get spousal benefits your income have to be lower then your spouse.

[@Dolphinfinancialgroupfl]

Spousal benefits start with your own claimed first, then an increase to up to 50% of your spouse's benefit. So, your own benefit needs to be less than half of your spouse's to get an increase.

[@lalymaddox7945]

Can I still get a surviving benefits eventhough I make more than the limit..I have two kids 9 and 13. My husband passed away ..The kids are getting theirs, but I'm not sure about mine

[@Dolphinfinancialgroupfl]

I believe you are asking about the Social Security Earnings Limit. If so, you'll want to watch this video to get your answer about collecting benefits and still earning: kzbin.info/www/bejne/iWLVqKere9xlrtE

[@irenelopez349]

What if you have been divorced for 16 years and you are already receiving SSDI from my ex-husband and he passway, will I keep getting his SSDI or will it automatically change to ssi?.

[@Dolphinfinancialgroupfl]

Typically SSDI benefits change to regular social security benefits at your full retirement age. The benefits typically stay the same.

[@mrsdewdrop9678]

Hello, we are getting divorced. Married 33 years. He worked I did not. I did work prior to marriage.. He is 74 yrs and retired . I am 68 yrs. Retired. Do I qualify for any of his benefits. ? I receive a 3rd of what he gets right now being married. Thank you.

[@Dolphinfinancialgroupfl]

Since you are getting about 1/3rd of his benefits, you probably claimed spousal benefits at 62. At 68, you can't undo this decision and are locked into getting what you get. The next time you would see a change would be if your spouse dies and you claim Survivor Benefits.

[@mrsdewdrop9678]

@@Dolphinfinancialgroupfl thank you for your quick reply. I've already subscribed and sent the link to several friends. Thanks for sharing your wealth of expertise.

[@Dolphinfinancialgroupfl]

@@mrsdewdrop9678 Glad we could help. Thanks for sharing.

[@TheJackpotQueen]

what if you where married to first wife 35 years and second wife 3 years will SS pay both woman the same money??? off the record of the dead exhusband/husband??? because I was married for 35 years and then he remarried to try and screw me out of money because he knew I did not work during the marriage. So SS just drills out money or they use what was going to be my benefit to pay her????

[@Dolphinfinancialgroupfl]

Multiple people can claim survivor benefits on the same person's earnings record without affecting the amount each receives.

[@evelynlyon620]

@@Dolphinfinancialgroupfl what i

[@lindacarter5913]

I my husband pass what was married 28 years when he passed are you later I got my disability he was getting my $1,800 okay at first they was giving me like DNA took it down I don't get what 690 of his social so why is that he's so security is higher than my I don't understand

[@valerievitality413]

what language is this? Lol

[@caroltanner3524]

I WAS MARRIED 10 YEARS DIVORCED,,,HE WILL DRAW MAX ..HOW MUCH WOULD I GET

[@Dolphinfinancialgroupfl]

What you get depends on when you claim and your age and your work history. Regarding benefits based on an ex-spouse, you could get half of the ex-spouse benefit if it is higher than your own.

[@bethmccall3735]

What if someone just lives together for 11 Years, and your partner { Living Together } dies do you get your partner who passed away their Social Security Benefits?

[@Dolphinfinancialgroupfl]

Social Security office has to determine you were legally married for 10+ years.

[@bethmccall3735]

@@Dolphinfinancialgroupfl We were living together, not married.

[@Dolphinfinancialgroupfl]

@@bethmccall3735 living together won't qualify you for benefits.

[@dorishongyee8035]

Does your husband have to be of age in retirement before you can claim as a divorce and you are at the age of retirement

[@Dolphinfinancialgroupfl]

Your ex-spouse has to be entitled to Social Security retirement or disability benefits.

[@jackrabbit0]

I receive SSI, and SSDI. If I get marry will I lose my monthly SSI check?

[@Dolphinfinancialgroupfl]

Maybe. SSI is based on income and housing expenses and potentially state/local funding. Getting married may change your situation.

[@mjjames2700]

What happens when my spouse passes and his Social Security is too small for me to get widow's pension

[@Dolphinfinancialgroupfl]

When a spouse passes, you typically keep your own or get your spouse's survivor benefit- whichever is higher. If his benefit was smaller than yours, then it goes away. However, you may be able to take his and switch to your own later if you haven't claimed yet.

[@patrickranney2706]

My ex is going to get a state pension and her social security What will what will happen when she goes after mine okay

[@Dolphinfinancialgroupfl]

Not sure we understand your question. If an ex-spouse claims against your Social Security, you may not even know about it as it won't impact your benefits.

[@alicechung4387]

Can I claim his full benefit of ss Federal Government worker.

[@Dolphinfinancialgroupfl]

That depends on if your ex-spouse was getting a Social Security benefit. Some Federal employees may not get Social Security: www.ssa.gov/benefits/retirement/planner/fedgovees.html

[@annalisacovington2265]

Can you draw off of your ex if he,s dead and im remarried at 60?

[@Dolphinfinancialgroupfl]

If your ex is deceased, then you could qualify for a survivor benefits. If you collect survivor benefits, you may be able to continue them if you remarry after you reach age 60. (Age 50 if disabled). Just be sure you report changes in marriage status to Social Security.

[@marycarranza2110]

What if you been divorced for 10 years but was married for 21 year and your ex remarried and now divorced

[@Dolphinfinancialgroupfl]

Whether or not your ex-spouse remarried doesn't impact the amount you might be entitled to based on that ex-spouse.

[@marycarranza2110]

@@Dolphinfinancialgroupfl can the other spouse clam to

[@marycarranza2110]

They were only married for 10 months or less but still divorce ing

[@Dolphinfinancialgroupfl]

10 years is required to be able to claim against an ex-spouse. Not 10 months.

[@marycarranza2110]

Thank you so much for that information😃

[@user-vi5to5wp2l]

I have two kids from Javier Gonzalez Sofia Gonzalez and Isabella ok Javier just has one child with his ex jasmine ghinea

[@Lillian93]

What about OPM?

[@Dolphinfinancialgroupfl]

What do you mean by OPM? Office of Personnel Management?

[@coleenewart4395]

Can a spouse draw off husband benefits if she is disable

[@Dolphinfinancialgroupfl]

If you have your own benefits, you might get a spousal benefit if your own benefit is lower than the spousal benefit. Here is a tool to determine your eligibility: ssabest.benefits.gov/benefit-finder/

[@maryedland4756]

What about 62anf your spouse gets his at 65. How does that work?

[@Dolphinfinancialgroupfl]

I don't understand your question. Please expand upon it. Generally speaking, you are able to claim your own benefit at age 62, but you'll take a reduction for claiming early. You may get an increase if half of your spouse's benefit is higher.

[@marinelgarland3145]

What happened sir if the ex spouse got married for more than year and have 2 kids how much the ex wife for 20 years have 3 grown up kids could get every month.

[@Dolphinfinancialgroupfl]

Potential benefits based on an ex-spouse are not impacted if that former spouse gets remarried. Social Security is impacted by your OWN marriage status.

[@marinelgarland3145]

But that former ex wife martied for 20 years had not married at all how much she gets from her ex from spousal social security and survival benefits could she get these 2 benifits from her ex husband who died already.

[@Dolphinfinancialgroupfl]

@@marinelgarland3145 if your qualified ex-spouse dies and you are not remarried, you are most likely eligible for Survivor Benefits. You can't get both spousal benefits and survivor benefits at the same time. Here is a video with more: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@paulettebrown6102]

What if you was only married 5 years to x and had 2 children but they r adults now can you claim the ex ss

[@Dolphinfinancialgroupfl]

You need 10 years of marriage to claim against an ex-spouse.

[@tannyramerez6817]

Apply for other grant

[@jackietatum7810]

You can be claim at age 50 and disable and married

[@Florence-ot9lv]

I need more info pertaining to this 50 disabled still married husband was put in nursing home I was told he was dead during pandemic I'm sinking he use to handle all finances what to do know

[@Florence-ot9lv]

When can I get a response?

[@gingerbjerke6290]

If I remarry do I lose my social security benefit?

[@Dolphinfinancialgroupfl]

Maybe. Your own benefit isn't impacted by marriage. However, if you are getting a benefit based on a spouse (current, former, deceased), then your marriage situation may impact your benefit. Remarrying after 60 does allow you to maintain benefits from a previous spouse in certain instances.

[@brendawilliamson4596]

Can I draw my mother's so security I just wanna know that

[@Dolphinfinancialgroupfl]

Children (18 and under) can draw SS based on a parent. Also adults who are disabled (if that disability began before age 22) can also draw SS based on a parent.

[@anetcross7089]

What if your common-law married for 20 years can you drop benefits off your ex

[@Dolphinfinancialgroupfl]

Yes, if you live in a state that recognizes common law marriage (or you did live in such a state) and you can prove that to Social Security.

[@anetcross7089]

Dolphin Financial Group Thank you🇺🇸🇺🇸

[@sharonhuff9584]

I never remarried!

[@marycamerota3455]

I was married to the same man for 30 years, never remarried how would surviver benefits work for mé ,I am 73 now. ?

[@tannyramerez6817]

Apply for relief grant if you are still married to him now

[@Dolphinfinancialgroupfl]

We've added a video on Survivor Benefits: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@quintinastewart5761]

What about a spouse dies , and you are on disability...and he never received SS.

[@Dolphinfinancialgroupfl]

You might be able to switch. Too many unknown variables to answer. Start with this video on Survivor Benefits: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@angienewberryharrell6873]

I'm on disability.... how do I claim and when do I claim against my ex of 20 yrs

[@tannyramerez6817]

Not really why not apply for relief grant am sure you will get 10,200$ you can pay off some bills with that too

[@patriciawilson1550]

I don't draw hair of my husband retirement I toke it at 62

[@abbytiu5494]

Does this apply to commonn lake relationship even if living together for hrs ?

[@dorishongyee8035]

Can I claim my ex SS even if he is not at retirement age but I am.

[@Dolphinfinancialgroupfl]

Your ex-spouse has to be entitled to Social Security retirement or disability benefits.

[@annalisacovington2265]

I GOT MARRIED AND BEEN MARRIED FOR 19 YEARS MY EX PASSED AND IM 60 NOW CAN I GET ANYTHING FRIM MY EX?

[@annalisacovington2265]

And im disabled have been for 9 years.

[@annalisacovington2265]

Can I claim anything from him?

[@Dolphinfinancialgroupfl]

Maybe. It depends if you are currently remarried or not. You should watch this video for more specifics: kzbin.info/www/bejne/paDQkIecYpeanck

[@rozgirljoyful9362]

I was married over ten years to my first husband, then married over ten years to my second from whom I’m also divorced. I’m currently collecting half of my second husband’s ss. My first husband recently passed away. Can I collect his full ss? I’m 75 but my second marriage was before I turned 60. I had called Social Security and they said I was eligible but I know they make mistakes

[@karenfoster6866]

If my hubby dies can I draw his money I’m on diable

[@Dolphinfinancialgroupfl]

Survivor Benefits for disabled survivors can start at age 50 in certain situations. We cover this here: kzbin.info/www/bejne/ZmOkYnufhJd0aLc

[@mjjames2700]

How can you get your spouse's social security number

[@Dolphinfinancialgroupfl]

The Social Security Office will help you if you are able to provide documentation such as a marriage certificate and divorce decree. They will tell you what info you can provide instead of the SS#.

[@lequitaward9265]

I lost my husband, in 2021. 45 yrs, of marriage. I received 33&1/3 of his retirement, at 62. Disabled. At death, I received mine, and the same 33&1/3 of his, is this correct, for survivor benefits? At 65.

[@Dolphinfinancialgroupfl]

Sorry for your loss, Lequita. Survivor benefits are either your own or your deceased spouse - whichever is higher. You don't get both. Since you were already receiving benefits based on your spouse, you generally do not need to file an application. It seems like your benefits were automatically recalculated at your husband's death.

[@lequitaward9265]

@@Dolphinfinancialgroupfl Thanks for your response! Great Channel, very Informative! Thank You!

[@elizabethdanis6176]

I am receiving SSDI from my father's benefits since I was considered disabled since birth. My fiance is also on regular social security since we both are receiving social security How would that effect us planning a wedding???

[@Dolphinfinancialgroupfl]

SSDI has different rules when it comes to marriage. You will have to check with the SS Office. However, I believe there is a chance you will lose SSDI based on your father's benefits if you get married. You should consider that possibility and confirm before getting married.

[@robinholbrook8296]

I thought it was 10 years you had to be married to get your ex SS if divorced

[@Dolphinfinancialgroupfl]

Correct. 10 consecutive years.

[@marycarranza2110]

Please let me no

[@ADAM_RECORDS_LIVE_OCTAVERN]

...I would love to talk with you !.. My wife died ..age 36 Nov 2008.. at the time our only child was just months old. My own convicted felon (1988) mother intercepted and lied to the SS administration ...claimed she was caring for my daughter including me living with her resulting in her stealing ALL of the survivors funds from my deceased wife.Still to today's date she receives my now 12 year old daughter's portion. I have never recited with my mother passed age 19 and briefly after the Marine Corp release in 1996. My mother took me to corrupt family court to get guardianship and remove fathers rights ...my wife's name was forged for consent. I have so much proof from the banks claiming this. Could you point me in the right direction ? I would appreciate any help.

[@Dolphinfinancialgroupfl]

Wow! Sorry to hear about your situation. This is the time to speak to a lawyer that specializes in Social Security law. Although this seems to go even deeper than that. I am sorry, but I do not have a recommendation for you. Start local - talk to some lawyers and see who has experience with this.

[@ADAM_RECORDS_LIVE_OCTAVERN]

@@Dolphinfinancialgroupfl i am a alienated dad broke veteran with no resources. ... I get that a lot...

[@timothythompson4036]

What this guy is stating is wrong. You must be married for 10 years to get spousal benefits.

[@Dolphinfinancialgroupfl]

One year of marriage for spousal benefits. 10 years if divorced. Straight from the SSA: faq.ssa.gov/en-us/Topic/article/KA-01999#:~:text=Generally%2C%20you%20must%20be%20married,year%20rule%20does%20not%20apply.

[@lindalatham2836]

My spouse was 15 yrs younger than me. I am now 68 and because he is 53 I am considered ineligible. We were married 17 yrs. I gave birth to his only child. How unfair is this? My working income was peanuts compared to his income.

[@Dolphinfinancialgroupfl]

The ex-spouse needs to be eligible to collect in order for you to gain the spousal benefit. It's can be tough rule in some situations like yours. I know of people who are waiting for their ex-spouse to turn 62 before they can claim the spousal benefit based on their record. Sorry.

[@NW-mf1jp]

In this question can she get her own lower SS now and later get her husbands when he reaches 62?

[@carlheard3679]

i

[@14firewooddirtysouth]

Yha the got me good i started. Get ssi in 2011 it was all good i got the maxs. I was married. The my wife filled for her ssa she got 900.00 the drop my ssi benefit to 257.11 that not right no one can. Pay my own bills i have medical meds i pay my rent on my land it 250.00 a mouth my check. Gone nothing left the my wife stuck pay everything. Else. It takes everything. She has all the house bills taxes on everything. Nothing lift to live on. If the say it a good American it not at all the think it 1950s pay for the mouth. Government. Need see how people. Can live on ssi if you married. That why i can't. Have max check. Ssi sucks ass i go back to work make more then that one day sense icome down bad copd i not worth anything. In out of the hospital year around

[@karenfoster6866]

They told me I can draw his and my I could his 500

[@karenfoster6866]

His check more then

[@karenfoster6866]

Mine

[@tannyramerez6817]

Still apply for relief grant which is 10,200$ I have gotten my already

[@jacquelinesmith2546]

Ge t on with this and do divorce please

[@011219551]

Okay, I was married 11 years to my 1st husband, divorced, married twice after that. Divorced both my 2nd & 3 husband, does that mean I can't collect from my 1st husband? How does this work? I have an SSI appt. today at 1:00 pm about this. I thought because I've been divorced and single since 2001, I was able to claim on my 1st husband. Now, sitting here confused. Thanks for the info!!!

[@Dolphinfinancialgroupfl]

Sounds like you would still qualify for benefits on your first spouse since it was over 10 years and you are not currently married.

[@011219551]

​@@Dolphinfinancialgroupfl Hi!! Thanks for getting back to me! Just got off the phone with SSA. She told me I'm getting 1350.00 a month. She also told me that I could have been getting this since I turned 60. I say, better late then never! Thank-the Lord I'm getting it!! Thanks so much, I'm also going to share this video with all my social networks. I'll be back to hear you, love staying ABREST of things, hahaha....Right!!I could have been getting that at 60!! Hahaha! Have an awesome evening!!!!

[@Dolphinfinancialgroupfl]

Glad it worked out for you!