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Ask Stephanie O Joy, Esq Your Own Question
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13281
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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Just divorced after 39 yearsof marriage can I collect any of

Customer Question

just divorced after 39 yearsof marriage can I collect any of my ex's social security?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.
How old are you?How old is your ex?
Customer: replied 1 year ago.
im 64 myexis61
Customer: replied 1 year ago.
ex will be 62 in September planning on retiring in december
Expert:  Stephanie O Joy, Esq replied 1 year ago.
Are you currently collecting on your own word record? Are you currently working?
Customer: replied 1 year ago.
no
Expert:  Stephanie O Joy, Esq replied 1 year ago.
Your are neither working nor collecting?How are you supporting yourself? If you are?
Customer: replied 1 year ago.
from divorce settlement
Expert:  Stephanie O Joy, Esq replied 1 year ago.
OK, excellent. Once you ex hits retirement age, if you are looking for retirement benefits "early", you can file.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
However, because you are younger than full retirement age...
Expert:  Stephanie O Joy, Esq replied 1 year ago.
You will automatically collect the higher of the two types of benefits...
Expert:  Stephanie O Joy, Esq replied 1 year ago.
Either your own, OR spousal.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
Each one will be discounted due to your taking early.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
Spousal is between typically greater than 35% but less than 50% of your ex spouses primary insurance amount.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
So you'd only get spousal IF your own were less than that.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
There is GREAT reason to not collect early if you are still able to work however. The main reason being, if you wish to maximize your benefit for the rest of your lifetime - delaying til at least full retirement age, sometimes even longer, is ideal.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
To file for early retirement, you can go to ssa.gov and click on the "benefits" tab.
Expert:  Stephanie O Joy, Esq replied 1 year ago.
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mso-hansi-theme-font:minor-latin;}I hope this helps! My goal is to provide you with excellent and accurate service &ndash; if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions. Kindly rate me "excellent" when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To Stephanie O Joy Esq., ONLY" if you want me to specifically answer it. Sincerely, ***** ***** Joy, Esq.Your online legal resource!
Expert:  Stephanie O Joy, Esq replied 1 year ago.
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mso-hansi-theme-font:minor-latin;}Hello again. It is month end - Please, if you haven't yet had the opportunity to do either of the items below, I ask that you do so now, because it is the only way I can receive credit for time spent with you. Please:1) Follow up if clarification is needed on our above interaction/Q&A, OR 2) Rate me highly if we are finished for the time being. If there's more I can do, please use the reply tab and let me know how I can be of further assistance. It's my goal to provide you with excellent service - to make sure I answered the question you asked about. Please rate me highly and provide me with feedback. And thanks for understanding how we receive credit from the Site for contributing our time here! Sincerely,Stephanie O. Joy, Esq. &ndash; Your Online Legal Professional

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