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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10097
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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I'm 73 started collecting SS at 62. Recently realized that I

Customer Question

I'm 73 started collecting SS at 62. Recently realized that I could have filed against my ex wife's SS to earn more. I receive 1500 mo she gets 2000 mo. I have since remarried my current wife gets 1600. My ex was still working when I filed at 62 she filed at 70. Obviously I'm interested in maximizing my SS income.
Submitted: 1 year ago.
Category: Social Security
Expert:  Lane replied 1 year ago.

Hi,

...

So sorry but re-marriage causes that not to be an option.

...

See this from Social Security (I'll underline the pertinent part)

...

As a divorced spouse you can collect benefits on your ex-spouse’s record, even if the ex-spouse has remarried and even if the ex-spouse’s new spouse is collecting on the same record.

But to get this benefit, you must meet the following requirements:

  1. You were married for at least 10 straight years
  2. You are at least 62 years old
  3. Your ex-spouse is eligible for retirement benefits
  4. You are currently unmarried
Expert:  Lane replied 1 year ago.

Hi,

...

So sorry but re-marriage causes that not to be an option.

...

See this from Social Security (I'll underline the pertinent part)

...

As a divorced spouse you can collect benefits on your ex-spouse’s record, even if the ex-spouse has remarried and even if the ex-spouse’s new spouse is collecting on the same record.

But to get this benefit, you must meet the following requirements:

  1. You were married for at least 10 straight years
  2. You are at least 62 years old
  3. Your ex-spouse is eligible for retirement benefits
  4. You are currently unmarried
Expert:  Lane replied 1 year ago.

you can read more about that here, from Social Security ... Note that there are differences, depending on the type of benefit ... This may be what you had heard about.

...

Note the header "Divorced spouse’s benefits" about 2/3 down the page

...

https://faq.ssa.gov/link/portal/34011/34019/Article/3781/If-I-get-married-will-it-affect-my-benefits

...

I hope you'll rate me (that's the only way we get credit for the work here) based on thoroughness and accuracy, rather than any good news/bad news content ... Hopefully, having all the facts will help you "see around some corners."

...

But please let me know if you have any questions at all

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