Social Security Spousal Benefits Explained by Former SSA Manager; PART 1

[@MyGovExpert]

😊😊Do you have questions about Social Security, Medicare, Medicaid, etc.? Want to make sure you're receiving all the benefits you can? Join our weekly LIVE Q&A with Dr. Ed. Thursdays at 4pm PST. (7pm EST) ☎📞 Don't want to ask your question during the LIVE Q&A? How about a one-on-one call with Dr. Ed? Schedule here: calendly.com/mygovexpert/consult However, due to the increasingly high number of requests and to support our daily expenses, unfortunately there is a charge for one-on-one consultations. $75 for up to 45 minutes. Only a very few appointments are available each week.

[@MaryRomero-sd5rg]

Hello, I have question. I was married for 20 yrs 1st marriage, got divorced age 39, got remarried 1 yr later, at age 40. Been married 22 yrs currently...I applied for early SS I'm 62 now. SS tells me I can't claim first spouse for benefits? Is this true?? Please let me know. Thanks Mary

[@MyGovExpert]

Hello, thanks for watching and commenting! Please join one of my upcoming KZbin or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed

[@myrnabennett5925]

Can I draw on spouses SS . He has been CB deceased 15 yrs. I draw 400.00 before insurance taken out. I am widow and 80 yrs old

[@BettyArtiguasDiaz]

People shouldn't complain about how long your videos are. It is true that ss has too many acronyms but hey, that's not Ed fault. Let's appreciated what he does. English is my 2nd language. I appreciate he's taking time to help us. Keep up the good work!!!!

[@MyGovExpert]

Thank you! I really do appreciate it!

[@JG-yd8so]

👍👍👏👏 This is education not entertainment! If viewer gets bored, then they should come back when their serious.

[@MyGovExpert]

Lol! Tons of cat videos out there!

[@Janeair41....]

Thank goodness for Dr. Weir, and his work history with the SS department. Thank you.

[@MyGovExpert]

Thank you! Gonna keep sharing info as long as I'm able! Have a great weekend, Ed

[@AustinMonson2000]

The real educators do not profit from their knowledge. Thank you sir for being amazing!

[@MyGovExpert]

Thank you! Have an awesome week, Ed

[@arkrosebud1540]

Why are other so called experts telling us that the 10 years rule is “ten consecutive years” to be married to ex-spouse? They are giving incorrect information, Apparently they have not done their homework. You are my go to now for all things retirement. Thank you sir.

[@MyGovExpert]

Yeah, that's exactly right. They just don't have the experience. Social Security policy is over twenty thousand pages

[@VanlifewithMinisterMaryA-oe1wg]

I found you by “accident” at 4 am when I couldn’t sleep. I’ve been so scared since I’m 64 , 65 in October. Just set up a call with you for June 11 at 4. PST. I’m so glad.

[@MyGovExpert]

Perfect! Talk to you then!

[@CM-qh4wj]

I appreciate running across your videos. I'm not to retirement yet, but soon enough, and I'm glad to be able to learn through this source. Thank you for your time and very much needed knowledge. I will be sure and share your channel with anyone that may need this!

[@cchoi108]

Thank you so much. I had no idea about the DRC and survivor benefits.

[@SmilingTruly888]

I love your videos- it addresses a lot of questions. The length of time is appropriate for the content

[@MyGovExpert]

Thank you, I really do appreciate you taking the time to write that.

[@fr0103]

Drilling down on the rule (not putting words in Dr. Weir's mouth), the lower earning spouse that is filing for their spousal auxiliary benefit (or top-up), must have reached "their own" Full Retireemnt Age (FRA), in order to qualify and receive a full 50% of the higher earning spouse' Social Security benefit.

[@tammyspirlock5695]

Your amazing. Thank you for helping people

[@MyGovExpert]

You are so welcome

[@texaspotterssculptors4658]

Thank you Dr. Weir!

[@MyGovExpert]

You're very welcome!

[@debraharkins3137]

Thankyou so much for what your doing So greatful.I called to find out that at 70 intital to my full SS after being in survivor benefits for 8 years.70 in about a 1 1/2 yrs.So greatful.!!!❤

[@MyGovExpert]

That's awesome to hear. More money is always a beautiful thing!

[@etelvinarivera2094]

Thanks so much for your videos, you're so appreciate, God bless you Sir!

[@Noone-w2h3q]

Thank you the educational information provided by such a good man

[@MyGovExpert]

Thank you so much. Thank you for taking the time to write me such a nice note.

[@MyBelch]

Good info. I live abroad and cannot even open a MySSA account. I'm 60.5 years old, so not pressing yet. Visiting the US in 3 weeks and plan to walk-in visit to SSA office with a list of questions.

[@MyGovExpert]

Correct. It's based on her age, not your age.

[@bonnieupton4114]

My head just spins trying to understand all this

[@MyGovExpert]

Yeah the whole thing is pretty confusing

[@natnielsen8472]

Hi bonnie, your head won't spin way as much when you become familiar with the SSA terminology. If you'll go back and listen to this video up to 7 times you'll understand what is being explained. Hope this helps. It's tricky, but makes sense after you get used to the language:-)

[@bentao2773]

Very informative. Thank you.

[@samkeino6810]

Great video. Can a spouse get spousal benefits if they never worked but her husband has significant benefits? When can the spouse qualify (how old must the be) to claim?

[@fajaalmighty7628]

Can receive benefits as early as 62 as long as the spouse who worked is claiming as well. She would not receive 50 percent at her filing age of 62 but could wait until her FRA and then is eligible for the full 50 percent due to her.

[@cynthiaczornij2319]

Thank you for this information; it has provided hope.

[@laramie_1944]

Thanks for sharing your expertise on the subject matter. I turn 62 this year and planning on retiring from my current job, but won’t be applying for SS benefits yet. Will my SS benefits increase each year that I wait, even not working? Thanks Dr. Ed.

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert

[@CathleenDuff]

Thank you very much for all of your information. It is very helpful!

[@MyGovExpert]

You are so welcome, and thank you so much for the kind note.

[@edfoodie2364]

Very clear and understandable

[@MyGovExpert]

Glad to hear that

[@Jhl-love]

Can you please please educate people about especially women who married to divorced man? Since his ex can take up to 50% of his SSI then what’s left to him isn’t much. Also does it affect our own joint tax filing ?

[@LuisRodriguez-p9z]

Thank you. it was helpful!

[@MyGovExpert]

Happy to hear that!

[@lauriedanenberg4389]

My husband and I have a higher earner, lower earner situation and think we may have this wrong. I the lower earner am 63, was going to collect on my own SS for now (a reduced benefit) and my husband would wait until his FRA at 67. It was our understanding that when he applies at his FRA I could switch over to my spousal benefit of 50% of his. Is this correct or would my spousal benefit be forever reduced because I started collecting my own benefit at 63?

[@eileenhernandez7541]

I've called several departments. They said I have made more money than my x spouse, and that I am already receiving what I should get. I qualified under all the requirements. Still they said no. In my divorce I specifically made him put that I would receive all or any funds from his estate as ss. Retirement of any kind. Nope just a iou 42K.

[@kellymeyer6273]

So much information! Thank you!

[@MyGovExpert]

You're welcome

[@GaleTravis-tp9ir]

My wife has been married and still is married to me for 8 years. She is now 70 years old and I’m 74 years old retired and has been collecting SS since I was 62. Now, here is where it becomes a little cloudy. My wife is a Naturalized Citizen, never worked in our country. She is getting SS based on my work history. If I should die, would she be eligible under SS GUIDELINES to receive additional monies between what she is currently receiving and my current monthly amount benefit ? Thank you Dr. Weir

[@MyGovExpert]

A lot of details and variables there. Please join one of my LIVE Q&A sessions. Thursdays at 4pm PST

[@pgpc6448]

Social Security prefers online or phone calls over in person appointments these days.

[@MyGovExpert]

I agree. But they can't deny you an in office appointment if you demand one.

[@Angela-p2v]

Thank you for explaining

[@MyGovExpert]

You're welcome

[@Jhl-love]

Is there anything else such as Pension or any investment an ex can claim? I hope not!

[@AndreaHillcreator]

Great information ❤

[@MyGovExpert]

Glad you think so!

[@Joy-nl1hb]

My 61 yr old husband has cancer and recently approved for disability with back pay 10 mo. How will this affect widow survivor benefits?

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert

[@ekfish60]

My wife did not take benefits when I started in 2021 thinking she could wait to 70 to get increased benefits in five years moreover, will she lose any back pay or get a lump sum? Additional should she pass before starting benefits what happens to uncollected benefits earned? Thank you for you service your video has opened my eyes

[@natnielsen8472]

There are no "back benefits". A person files at 70 - that is when their payments start. No 8% extra on spousal benefits - just the calculated 1/2 payment they would have received from the spouse's work history if they filed at full retirement age. No reason to wait to 70 for the spousal benefit - in fact it'll be close to 3 years of lost, never to retrieve, payments.

[@ekfish60]

I filed at age 62 in 2021 and my spouse didn't and doesn't qualify for any other benefits except spousal benefits are you saying all those qualifying months are lost?

[@T.K.111]

My sister-in-law contracted leukemia 2 1/2 yrs ago. She was married for over 30yrs. She divorced him and he passed away(veteran). She remarried but also inherited a hefty amount from a couple that had no children. She has been paying her own health costs for leukemia. Could she have received benefits from her deceased exhusband if she hadn't remarried? She'll be 62

[@Happybidr]

She cannot get Medicare until she’s 65. However, if she somehow qualifies for disability, she will be able to get Medicare after a certain number months (usually after 24 months but there are exceptions). I would try to get health insurance through the government Marketplace. There are lots of options there so encourage her to check out that option. This final recommendation is one I know the least amount, but even though he died and they had divorced, she still might qualify for some benefits through the VA.

[@natnielsen8472]

If she had not remarried she could have gotten survivor social security off of her exhusband's work record - and the full amount. Since she remarried and is still married she can not.

[@deanastrickling5114]

I was married to him for 28 years but live with him 14 years but was still married for 28 years

[@jacquelinei.5819]

Hi Dr weir! My ex husband was disabled in 2009. I was taking care of my 2 children and getting disability for them under their dad SSDI. I did not know about the auxiliary in care. My son is now 27 and my daughter is 19. Will Social Security pays me all that back axillary in care money?

[@kathymorrison7462]

I started collecting my SS at age 62 (I am now 66 and he is 63) I receive $791 after my medicare ins is deducted and I did get spousal benefits at that time (age 62) in the amount of $150 it has increased because of COLA , my question is am I locked in at this lower amount? My ex-husband receives I believe about $3000 in SSD, thank Dr Weir for all you do to make things simpler for us out here! I hope my question makes sense, lol Also if he would pass away, would I get his SS amount because it is a higher amount than mine? Ignore those that say your videos are too long, you are giving us ALL the information we need and thank you again for all your help.

[@MyGovExpert]

If I'm reading your question correctly, then yes, you are locked in because you started receiving benefits. If he passes then you could get what he was receiving.

[@kathymorrison7462]

@@MyGovExpert Dr Weir thank you, great information!

[@cmbooks2000]

I started collecting ss at 62. My husband, 2 years younger than me. When he passed away at age 60, ss switched me to survivors benefits. Based on my husband's work history, my benefit went from $1,100 to over $2k. Our son's medicaid was switched to survivors benefits more than 2/3rd increase from his medicaid.

[@survive-1-day-at-a-time]

@@gregorylyon1004exactly!! It already eliminated the option to file for ex spouse’s 50% portion at 62; you now must wait until FRA if you are born after 1954. I’m not sure why this has not been covered in his videos

[@Top5006]

I have a question Dr. Ed. My mother is a filipina (70 years old)and was married to US Citizen husband ( 76 years old ) for 14 years. My american step dad have been collecting pension since at the age of 62. They are both living in the Philippines. My mother has never travelled to or resided in the USA . My question is my mother eligible for any spousal benefits due to her marriage to an american citizen? I would greatly appreciate any information or guidance you can provide. Thank you

[@williambudkirkland6874]

The Independently entitled divorce clause ,must be divorced ten (10) years also?

[@MyGovExpert]

Married 10 years. Divorced at least 2 years.

[@esteeb42]

Thankyou for such helpful videos.My husband passed away October 2022. He was 68 when he passed away but he started receiving benefits at 61 because he became disabled and could no longer work. I will be 62 March of next year. If I wait until I am 62 1/2 would I receive this cap benefit at 82.5%? thankyou

[@BethTrabor]

Good morning

[@MyGovExpert]

Morning

[@UGA_Junkyard_Dawg]

@MyGovExpert Dr. Ed - Regarding the split strategy. In a situation where the lower earner turns on at 62, and the higher earner turns on at 70, is the spousal benefit reduced from 50% of the higher earner's FRA benefit due to deemed filing?

[@yvonnemvquire6349]

My sister's husband recently passed at the age of 60. She received her first survivor/spousal SSI check this month. She has a small business and would like to know how much she can make before it affects SS? She lives in Florida. she is worried SS will end her SS payment. If it were ever cut off, can it be reinstated?

[@pamelaflorea322]

I was married for 27 years, divorced. We both remarried and my second marriage lasted 8 years, then divorced. I’m getting conflicting information and want to know,” Can I collect half of my ex spouses benefit now and then collect my full amount at 70? “. I’m 66 yrs old now

[@MyGovExpert]

You have to file on your record first if he's still alive

[@pamelaflorea322]

Yes he is still living . So if I file on my record first, I can collect half of his now and my full amount at 70? He is waiting until 70 to receive his full benefit

[@pamelaflorea322]

I called SS office and was told that I can no longer collect half of my ex husband if he still alive, it’s only upon his death

[@pomargent4464]

Hello, I just subscribed recently. I have a question for a friend. She’s 65 this year and been divorced for 4 years now. Her Ex husband is only 55. They’ve been married for 25 years. She’s can’t file for spousal until he turns 62?

[@DebLindley-xg8gz]

That is correct. He has to be 62 in order for her to claim IEDS (Independently Entitled Divorced Spouse) benefits.

[@babsoneverything3060]

@MyGovExpert I do not see the link for the calculator. Would you mind posting it please? Thank you!

[@Filippa698]

Also, if what I was told by Social Security people and also a private lawyer, was incorrect, will I receive what was erroneously withheld from me retroactively? How far back will Social Security go to make up for such an error? Thanks!

[@joeparker1242]

SS help, told us my wife which is lower wage earner will not receive full spousal benefit if she applied for her own benefit before her full retirement. They said the 50% is calculated off what my retirement benefit is at the time she applied for regular benefit and will get the reduced spousal when we both reach full. So I understood you to say50% spousal would be calculated off my full retirement not what my retirement is when she starts her benefits at 64?

[@MyGovExpert]

The calculations are at her full retirement age and your full retirement age. That sounds correct

[@Filippa698]

Tank you, Dr. Weir, for your valuable information. Years ago, I was told that my ex must die before I can receive his higher Social Security pension. We both are retired elders receiving Social Security benefits from our individual work records. I was married to this terrible man for fourteen years, before being able to divorce him. Can you please tell me whether I must wait for his death, before filing and receiving a higher amount on his work record. Thanks for a little response: Yes or No? Much appreciated.

[@RichardandSheryl]

Can i qualify for spouse benefits? Im 71 and drawing on my own, i remarried when i was in my late thirties? Thank you

[@Savannah-ed4rv]

To get benefits as an independently entitled divorced spouse, does the ex spouse still need to have a benefit that's more than twice of your own ? This is actually for a friend who was told that she would have to wait until her husband passes away in order to get a higher benefit but her benefit is only $1,100 a month and she's barely making it. She's 75 and I'm sure her ex-husband is close to her age.

[@MyGovExpert]

Yes, his has to be over twice hers while he's alive. Make sure she applies for Medicaid and then call my Medicare team and they'll see if there's more benefits in her area. 888-817-0446

[@karennewman5270]

Thank you so much for this awesome video Dr. Weir. I am confused about one part... If I start collectiing my SSI at age 62, and my spouse waits to retire at age 67, Will I get 50% of his full benefit if I wait to claim my spousal benefit when he retires at 67? Will my spousal benefit be reduced since I retired early? I realize my benefit would be lowered since I would be retiring early, but will the spousal bennifit amount be different than 50% of the original top off amount?

[@MyGovExpert]

Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert

[@dennischarlton4122]

If the high wage spouse has a pia of 3100 at fra but takes it at 62 then the spouse who is 5 yrs younger takes it at 62 would she get half of the reduced amount the older spouse is getting?

[@MyGovExpert]

Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert

[@tinaslaughter2451]

Are they getting rid of spousal benefits?

[@MyGovExpert]

No

[@julierodela7603]

So I was married to my ex for about 22 yrs . I stayed home when he was in the military. So after divorce he got married about ten yrs later and then I decided to get married and I’m still married. He got his or she did annulled I also have been disabled when we got divorce . Yeah I had a severe bad attorney. Could not even get spousal support because they said I was able to work since I had a degree. I never did really went back to work . Anyways since I remarriedand most of the yrs I worked very low paying jobs when he got out of the military So because I remarried before age 60 , I don’t get anything , also my husband now is about 12 yrs younger .

[@TheressaCashman-qy7yd]

I was told from Social Security that if I remarry before I turn 62 I could not get my ex spouses benefit. Is that true?

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. MORE HELP HERE: linktr.ee/MyGovExpert

[@keeplearning5590]

I am a dual citizen (American & Canadian) and retired in Canada after working 36 years in USA. My wife used to have a green card but the Canadian government asked her to give it up when she came back to Canada. I was wondering would she get any part of my Social Security Benefits in case of my death. She is a Canadian citizen and we have been married close to 50 years now. Also, where can I find some information on this? Thank you for your response in advance!

[@MyGovExpert]

Please check the payment tool on the SSA.gov website.

[@dennisahyek]

Hi Ed, very good information! I have a question, I’m 72 yrs old, born in 1952. I started collecting my benefits at 66 ( full retirement age) I am still working. Married for 50yrs +. My wife has never worked. I currently received $1677 a month, my wife gets $699. I think it’s low for me and wife? Can you help ? We can do a video chat?

[@MyGovExpert]

Please ask this question during one of my upcoming LIVE Q&A sessions and I’ll be happy to answer it. Or you can schedule a private call here: calendly.com/mygovexpert/consult

[@giugisossi9423]

My new husband is an Italian 78 yo man that just received his SS# and Green Card. The big mess started when we went to SSA to see if he was eligible to receive spousal benefits. Should I pay the Medicare premium bill or take it to the SSA office? Thank you for your time...I really appreciate it.

[@MyGovExpert]

I'm sorry, I don't really understand your situation. Did he receive Medicare before he received social security benefits?

[@robsimon6514]

Good morning Dr. Ed. My wife will be 65 (planning retirement) and I will be 62 (still working). If she decides to file at age 65, she would receive her own benefit alone? When I decide to retire at FRA and file for my own benefit - would she then be entitled to the higher of her own or half of mine? I guess I am just trying to understand WHEN the comparison to half of my benefit first is made? Sounds like it isn't compared until I file for my own benefit? Correct?

[@deanastrickling5114]

How long do you have husband passes away to do w i f e benefits do you have 3 years or two years he was a VA should I file for that instead of how much I put in Social Security and I did not put enough they said but I still can draw w i f e they said I get more if I do VA

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. There are so many exceptions I don't want to give you an incorrect or partial answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@deanastrickling5114]

But we were separated but still legally married and you have to know his Social Security number so I don't know what it is either but they said I can get it from death certificate and I don't know how to file for that yet

[@deanastrickling5114]

They also said I had to wait until I was 62 but he passed away March 27th 2022 I do what can I do it now while I am 60 years old

[@msquires473]

I’ve been married once for 23 years. Divorced for 17 years. Spouse continued to work, I did not. SS told me I’m not entitled to spouse benefits because I earned twice as much as my husband did. Difficult to believe considering he worked 17 years more than I did.

[@pgpc6448]

I was told the same story, how could I be making 2x’s as much, I was a stay home’er for most the marriage, was also married 23 yrs and divorced 13. Interesting.

[@MyGovExpert]

Perhaps not necessarily twice as much, probably his benefit is not more than twice yours. If his is not twice as much, then there is no money there unless he passes away.

[@rafisheikh7833]

Dr. Weir, I get multiple answers. My SS points are complete per SS report. My wife through our marriage is a homemaker (18 & counting). If she becomes a widow regardless of age would she be entitled to the benefit and is there a time she needs to wait for?

[@pgpc6448]

@@gregorylyon1004 joke on us??? How dare you! Because we preferred to stay in home to raise our children! As a teacher, those are the children teachers can reach, can teach, they learn better when their parent is home with them as they grow. You can go deep to hell Gregory!

[@pgpc6448]

@@gregorylyon1004 🖕🏻🫵🏼

[@normitanorzagaray9301]

We are married 34 yrs now I worked 7 yrs and didnt finish my 10 yrs contribution. My husband is collecting his ss benefits since 2014. We lived separately but still married. Im turning 62 on sept. Can i apply for spousal benefits? When will i apply? Ang How to apply? IM An american citizen can i apply for SSI? What would be the best benefitd to apply.? Thank you .

[@MyGovExpert]

Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult

[@JohnsDeb]

They told me I could not since he hadn’t filed yet.

[@MyGovExpert]

That might be incorrect. Independently entitled divorced spouse.

[@irenetalley5843]

I’m really confused. Married 28 1/2 yes. My ex will turn 70 next year 2025, he will start to collect then, and I will be 63…1) how much will I get if I start to collect his benefit at 63? Also, is his benefit 100% for himself, or 50% because he divorced? Thank you….

[@theresamunger5181]

I need help with my award 54 disabled women husband died but we got divorced were married 20 years neither one remarried they are only giving me my record disability

[@MyGovExpert]

They should have also checked to see if you were entitled for disabled widow's benefits. If they didn't check, make sure you give them a call. And tell them to see if there's more money there.

[@tammyraecarlson]

I have a complex situation. I began receiving the young wife child in care benefit at age 59. My husband and I divorced when I was age 60, so my c-i-c benefit “terminated”, (because SSA does not allow for divorced spouse c-i-c benefits, prior to age 62), We were married over 10 years. So if I “wait” to claim as a divorced spouse, until my FRA of 67 or later, will my previous entitlement as a young wife, (prior to age 62) have “deemed” me to have filed “early”, therefore reducing my future divorced spousal benefits? I cannot find this specific info anywhere online, and the SSA agents, that I asked, were not even sure! Hope you can help!

[@MyGovExpert]

Complicated issue that really can't be answered in a comment section. You can request SSA give you an official decision and you can appeal it if you disagree. I've never heard of child in care benefits terminating just because you were younger than 62.

[@patrickboulden1960]

I started receiving SS at age 70 last year. My wife is 67 and is still working and has not started her SS. Unfortunately, I don't know what my SS would have been at Full SS at age 66. It does not appear in my online SS Account. Do you know how I can find that amount from the SSA so I can see if it is more beneficial for her to take the spousal benefit amount? Thanks!

[@MyGovExpert]

Just give SSA a call and they will let you know. She will get 50% of yours but she has to file on her own first...unless she wants to wait and collect Delayed Retirement Credits too.

[@patrickboulden1960]

Thank you doctor. You are a much appreciated public servant. @@MyGovExpert

[@samkeino6810]

If you have never worked and claim survivor benefits, do you stick with this or do you convert to spousal benefits at a later age, e.g., when you turn 67?

[@lynnbradley7387]

Can you either answer this or direct me to a video that fits my situation my husband and I are both drawing Social Security if he was to die I’ve heard I can get my Social Security plus part of his?right now what I’m drawing is a little more than half of his if that makes a difference thank you

[@kimberlyhobin1734]

If I understand this correctly I can collect on my own earnings until the ex hits 62. At which time I can collect the higher of IEDS or my own benefit. In my case the ex is younger and his earnings are 3 times mine. At the time I do file, would it be prudent to mention my future IEDS benefit so it's on record?

[@MyGovExpert]

Hello, thanks for watching and commenting! Please join one of my upcoming KZbin or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed

[@myrnabennett5925]

Can I draw spoutal bennett, he has been deceased 15 yrs

[@MyGovExpert]

There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert

[@FordF250Tremor]

What about “reverse split” strategy? Meaning if the higher earner is collecting SSI at FRA, can a younger spouse who is 62 start collecting SSI claiming spouse benefit then when the younger spouse gets to FRA, can they “switch” to their own SSI if it is higher than the spouse benefit?

[@MyGovExpert]

I assume you're talking about social security retirement and not SSI, which is a welfare based program. But no, when a spouse files, they have to file on their own first then they can file a spouse claim.

[@deanastrickling5114]

I only can get wife benefits so how long do I have after he passed away and go ahead and do it now it's not too late is it

[@DebLindley-xg8gz]

You only get 2 years to file.

[@DebLindley-xg8gz]

You only get 2 years to file.

[@rebeccakramp1953]

How do I apply for spousal benefits

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@myrnabennett5925]

My spouse has been deceased 15 yrs. Am I able to draw on his SS. I draw 444.00 before insurance taken out. I am 80 and a widow

[@joehall7869]

My wife and I never filed for spousal benefits. I’m 71 she is 74. She started collecting at 62. I started at my fra 66.4. Can we still file

[@justme8953]

My wife and I will both be reaching our full retirement age of 66 years and eight months next year. At that time, my wife’s Social Security benefit will be $34,000 annually, and mine will be $20,000. My wife wants to wait until age 70 to take her Social Security so that her benefit can grow to $43,000 annually. But I might take my Social Benefit at my full retirement age to tide us over. Here’s my question: if I begin taking my Social Security benefit at age 66 years and 8 months, can my wife apply for a spousal benefit based on my Social Security benefit? And more importantly, if she takes a spousal benefit and then at age 70 switches to her own benefit, would the $43,000 that she would normally receive at age 70 from her own benefit be reduced because she had been receiving a spousal benefit since age 66 years and 8 months?

[@MyGovExpert]

If your benefit is twice her amount, then she can collect benefits off your record.

[@paulradice3534]

Spouse dies at 58 What happens to her benefits.

[@MyGovExpert]

Hello, thanks for watching! There are just too many details and exceptions to give you an adequate answer in this comment section. However, you can GET HELP here: linktr.ee/MyGovExpert

[@sharlytarver4109]

My case is really messed up, I really need help. What should I do when my husband and I have never got divorced . We just lived in separate houses. We had 2 children together that are now grown. We got married in June 1984. Because I was pregnant

[@MyGovExpert]

You have to file for benefits on your own record first, then spouse benefits on his.

[@sharlytarver4109]

I did file for my own when I was 62 years old. Now I am 69 years old now.Can I file for spousal benefits? I have been getting social security retirement for 7 years now.

[@cindyk4145]

This xspouse ss benefits are stopping this year. So if you file this year, do you still get them in 2025?

[@MyGovExpert]

The exspouse benefits are not stopping this year. That's just more internet click bait

[@craigcarrillo]

Hi Dr Ed. I’m 64 bigger bread earner. Still working. Just found your video. Wife one year younger stayed home raising kids. She could file at 62 or later on her record. I keep working and she changes hers to spousal later or when I die to to that ?

[@MyGovExpert]

Yeah, if she's under the annual earnings limit, she should go ahead and start her benefits. It's just gonna increase to up to fifty percent of yours once you file.

[@Nick13320]

I know if I wait past 70 to start collecting benefits there is no additional increase to the monthly benefit, but if i wait say until 71, do I get that one-year back pay in a lump sum?

[@MyGovExpert]

Please join one of my FREE LIVE Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@valvalentina9581]

Can you please explain me if I will go in my fool retirement age for 50% my husband s security benefits and I will still work for 2 years Call I later switched for my s security benefits if my will be much higher. Thanks

[@kymjunious6408]

Hello I’m on SSDI can I receive my husband benefits at 62 because I just did my income because we’re separated

[@DebLindley-xg8gz]

You have to actually be Divorced and, for 2 years.

[@timashwood3988]

so did you if i wait to take my retirement until say 70 my wife who's not taking any SS yet. Say I get 4000 at 70 and my full retirenent age would be 3000. I die she would get 4000 and not 3000?

[@MyGovExpert]

Correct, if she's FRA or beyond she gets what you were getting.

[@bonnieupton4114]

What is FRA ?

[@MyGovExpert]

Full Retirement Age

[@dougiverson328]

Hi doc Ed, I would like to ask a question. I am married for 8 years already and I am 64 yrs old . My husband is 67 yrs old and he is now receiving this yr a pension. You said spousal benefits can claim even you are married for a yr. My question is I am not an immigrant nor us citizen….. he petitioned more than 6 yrs already and we are still waiting for approval. Can I claim for a spousal benefits? Thank you very much…. Looking forward for your answer.

[@MyGovExpert]

Hello, thanks for watching and commenting! Please join one of my upcoming KZbin or TikTok LIVE Question and Answer sessions. Sundays 3pm PST (6pm EST) and Thursdays 4pm PST (7pm EST). I can answer your question then more accurately and completely. Take care, Ed

[@berthahust3038]

My parents we're married for 50years. My father passed away in 2008. As of this day-6/23/24 she has not filed for spousal benefits. What can she do? Please help. Thank you so much for your channel

[@MyGovExpert]

Please join one of my FREE LIVE Q&A sessions and I can answer your question more fully. Or, you can schedule a private call here: calendly.com/mygovexpert/consult

[@monashableau3995]

Do Widows receive 100% of spousal benefits?

[@MyGovExpert]

Up to 100%, you get the most when you wait for your full retirement age

[@molliehiatt3487]

10:03 m 10:11

[@molliehiatt3487]

10:28

[@michellebrown6166]

I tried to apply for spousal benefits and I was married 10 yrs and I am 62 now SS told me when I get 62 to apply now it's because I need to be 67 now he is a higher income earner and I live from check to check SSI SSD I don't know what to believe

[@michellebrown6166]

I was told that the age for my retirement is 67 so now I have to wait til I am 67 independent divorce spouses was mentioned they asked me questions and then told me they have to wait for computer and they ask more to set it up then she came back n said I am sorry you have to wait til 67 cause he's not retired yet

[@rebeccakramp1953]

I tried to apply for social security spousal benefits but was denied because I didn’t have enough credits to collect benefits.

[@MyGovExpert]

Please join one of my LIVE FREE KZbin Q&A sessions so I can give you a more accurate and complete answer. Or, you can schedule a private call here: linktr.ee/MyGovExpert

[@michaelbritton6220]

Husband born 1955 Wife born 1961. Husband has not filed and intends on working until he is 70 and is currently estimated to receive ~ 4628 per month at 70. Wife(Spouse) is not currently working but has earned wages and at FRA will be eligible for 1800 per month. If spouse starts files early at 62 on her benefits there will be a reduction in the benefit based on the eligible benefits at FRA. The husband files at age 70 for delayed credits at this time the wife will be 64. Can the wife wait until she is at FRA (67) to start claiming spousal benefit which then will be half of the husbands benefit at FRA? Would there be a penalty at this time for because the wife started her claim prior to her FRA.? Suppose the husband pases away at 73. What will be spouses survivor benefit? Will it be FRA retirement amout or the delayed retirement amount? Will there be penalties to survivor amount to the spouse be she had previously selected early retirement on her own claim?

[@MyGovExpert]

Lots of questions. Maybe consider a private consultation. calendly.com/mygovexpert/private-consultation-with-dr-ed-45-min

[@queenniegonora3669]

Hi sir, I have a neighbour here in Philippines and she is married into a retired US NAVY, sad to say he died last March 12, 2024 and his brother told my neighbour that there is no record that they are married but my neighbour has all the evidences that will prove their marriage, they are married here in the Philippines, I hope you can guide her where to start so that she can claim the survivor benefits. Thank you, Godbless you. ❤

[@MyGovExpert]

Have them call the US Embassy in Manila.

[@RodneyDempsey-o8w]

​@@gregorylyon1004reading some of your comments you sound like a jerk. The navy guy you made a stupid comment about he served his country there is nothing wrong with him marring a lady from the philippines. The philipino people happen to very nice people.

[@RodneyDempsey-o8w]

​@@gregorylyon1004if this navy man is married to a lady from the philippines then she should be entitled to ss survivors benifit just like any spouse is. A lot of military personnel get married to people from other countries nothing wrong with that. This man served his country. People from the philippines are very nice people.

[@RolymHughes]

Sir .good day! I am 48 years old now i am the wife survivor spouse. I have my son authism cannot talk i take care of him whole of my life i am still widow. I am worried when my son turn 18 years old next yeat we get nothing .help me what to do.thank you.i am from philippines.