Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

This answer was rated:

I will turn 63 in January and my ex is 67. We were married…

I will turn 63 in...
I will turn 63 in January and my ex is 67. We were married for 18 years and I have not remarried. I know I am eligible to collect as an "ex-spouse" but when should I apply? I don't plan on collecting my own SS until age 70 - Will collecting on his, affect my own SS benefits or my SS payment %?
Show More
Show Less
Ask Your Own Social Security Question
Answered in 5 minutes by:
11/2/2013
PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 5,084
Experience: 35 years tax and professional advice in all matters money
Verified

PDtax :

Welcome to the site. I'm PDtax, and thanks for asking for me.

PDtax :

Great question. As an ex-spouse, you can collect based on your ex's earnings record, but not if you are entitled to a higher benefit on your own record.

PDtax :

http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/299/~/qualifying-for-divorced-spouse-benefits is the link.

PDtax :

A person can receive benefits as a divorced spouse on a former spouse’s Social Security record if he or she:
Was married to the former spouse for at least 10 years;
Is at least age 62 years old;
Is unmarried; and
Is not entitled to a higher Social Security benefit on his or her own record.

Customer:

Yes I know that.

Customer:

I wanted to know if collecting on his until I'm ready to collect on mine at age 70, will affect my %.

PDtax :

Then collecting on his earnings record is a great idea! It does not affect your benefit on your own record at all.

Customer:

Or do I have to wait until my "full" retirement age of 67 to begin collecting on his?

PDtax :

You do not have to wait until your full retirement age to begin collecting on his.

PDtax :

You meet all the requirements listed above, so I think you could begin collecting now if you wish at age 62.

Customer:

Estimates for my benefit at age 70 are around $2000/month. If he collects the maximum benefit, am I entitled to 1/2 say $1500 now until I retire?

Customer:

Do you know what the maximum amount is - or if I would be eligible for 1/2 of his amount?

PDtax :

SSA would pay you as an ex-spouse a benefit based on the higher of your own record or your ex-husband's.

PDtax :

Because you are not at full retirement age (FRA), your benefit will start at half of his, then be reduced for the months you are claiming before FRA.

Customer:

What do you mean my benefits would be reduced? When I collect my own SS at age 70?

PDtax :

Let's say he gets a max benefit of $2,533. You could claim now and get a benefit based on early retirement.

Customer:

what does that do to my retirement?

PDtax :

Your benefit would be $2,533 @ 50%, reduced by the months you are retiring early. $1,267 times the early retirement might be $1,000 or so per month now based on his earnings.

Customer:

Do you mean I would collect $1000 instead of $1267 until I collect my retirement at age 70?

Customer:

Would I still get my $2000 at age 70?

PDtax :

I'm working on that. It's the early retirement you are considering that may reduce your benefit. Still looking, please bear with me...

Customer:

So it sounds like in order to collect on my ex, I either have to retire early and lower my own benefits or wait until I'm age 67 (my full retirement) and collect on him for a couple of years until I turn 70. Since he travels a lot and is not in the best health, what if he dies, can I still collect 50%?

PDtax :

You can claim higher widow's benefits. I believe you could be eligible for 100% of his benefit if he passes.

Customer:

Even though we were divorced? what is that penalty for early retirement...is it a sliding scale where age 65 is not much different than 67? or how much difference would it make on my benefit later if I say waited until 65 to collect as an ex on his?

PDtax :

http://www.ssa.gov/oact/quickcalc/earlyretire.html is the link I used to get the chart. Your FRA is 66, so you would lose just short of 30% of the 50% benefit you would receive if you wait until FRA. Your $1,267 benefit would be approximately $950 per month. Each month you wait you gain some benefit back, so at age 65 you would likely lose about 10% of this benefit. At 65 you would likely receive $1,100 per month. This would also likely impact what you would get on your earnings at age 70 as well.

Customer:

As in my very first question, you can see I'm trying to figure out when to apply and how it will affect my own retirement benefits...Seems like the "ex-spouse benefit" isn't much of a benefit it it lowers my ability to collect my own SS.

PDtax :

I appreciate the difficulty in planning, but there is more to this decision than the benefit calculation, and I would be remiss if I didn't mention a few things.

PDtax :

Your ex-husband's health is a factor in claiming now.

PDtax :

Your desire to continue working now is a factor.

PDtax :

Your ability to retire now and potentially draw on other resources, and allow your social Security benefits to grow is a factor/option.

PDtax :

For example, I have seen instances when the retiree lived on other funds until her benefit maximized. Her health, desire for inheritance planning and other factors made spending down her resources now the better decision.

PDtax :

This kind of planning requires much more than the answers I can give online.

PDtax :

There is more to making the decision, but our job here is to provide answers, which I have done. The planning should be done with a financial advisor whom you can share the other parts of the decisionmaking with.

PDtax :

So, please allow my work to be limited to answering your questions, which I have done. Take that new information, and meet an advisor you trust.

PDtax :

Thanks from Just Answer. If I have helped you today, please leave positive feedback (and a bonus if warranted). I'm PDtax.

Ask Your Own Social Security Question
Hi Melissa,

I was hoping my answer met your needs, and that you could provide positive feedback, which closes out your question. Thanks.

PDtax
Ask Your Own Social Security Question
I see you did not like my answer. A few items of note:

I answered your original question, and several additional ones. That is the service you agreed to pay for.

When you posted the following, I believed you wanted a professional planning opinion, which is beyond what we do here. Your question follows: "As in my very first question, you can see I'm trying to figure out when to apply and how it will affect my own retirement benefits...Seems like the "ex-spouse benefit" isn't much of a benefit it it lowers my ability to collect my own SS."

That I took you to mean you were inquiring about what you should do. I tried to explain that the decision involved other factors I was not privy to. I then went on, and did for you what I felt was a favor, and tried to encourage you to look at other issues and seek professional advice.

We are limited here to answering questions. When you asked about what to do, I had no choice but to point out your options. I assumed you would know I was trying to assist.

If the hour I spent assisting you is bad service, and you did not appreciate the value of what I tried to do, then I thank you for using Just Answer. If you want a refund, please contact customer service.
PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 5,084
Experience: 35 years tax and professional advice in all matters money
Verified
PDtax and 87 other Social Security Specialists are ready to help you
Ask your own question now
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a social security expertLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask PDtax Your Own Question
PDtax
PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 5,084
5,084 Satisfied Customers
Experience: 35 years tax and professional advice in all matters money

PDtax is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response...

T.G.WMatteson, IL

I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight.

BonnieChesnee, SC

Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation.

JohnMinneapolis, MN

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with.

OrvilleHesperia, California

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

< Previous | Next >

Meet the Experts:

dylatess

dylatess

ATTORNEY

3,467 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

4,582 satisfied customers

Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

LawTalk

LawTalk

Attorney

3,071 satisfied customers

I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

R. Klein, EA

R. Klein, EA

Accountant

334 satisfied customers

Tax & Social Security Benefits specialist

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

233 satisfied customers

Licensed in multiple jurisdictions, experienced business attorney.

AttorneyTom

AttorneyTom

Attorney

16 satisfied customers

Attorney

Stephanie O Joy, Esq

Stephanie O Joy, Esq

Soc. Sec. Attorney

3,283 satisfied customers

22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.

< Previous | Next >

Related Social Security Questions
I am currently 63 (birth date 11.24.54). My ex-spouse is 67
I am currently 63 (birth date 11.24.54). My ex-spouse is 67 (birth date 5.8.51). A friend told me I can receive benefits now against his social security because we were married for 22 years and I am n… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I would like to know if I could claim some of my husbands
I would like to know if I could claim some of my husbands social security now without it reducing the full amount either of us will draw when hit 70 years. I am 67 and retired at age 65, 2016. My husb… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I am 63 and divorced since 2012. I am working full time. I
I am 63 and divorced since 2012. I am working full time. I was married for 35 years. My ex-husband is 62. Can I collect any social security benefits through him at this time. … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
Although I am still working I am trying to determine if I
Although I am still working I am trying to determine if I should start my SS retirement at 66. I have re-married and my ex-wife (>10 years) also remarried. I was informed that my ex-wife's husband … read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
My ex-husband has recently retired. If I am already drawing
My ex-husband has recently retired. If I am already drawing SS on my earned income can I switch and draw on his? We were married for 13 years and I have not remarried. … read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I was married for 20 years, then divorced. I have not
I was married for 20 years, then divorced. I have not remarried. I just turned 65 and plan to continue to work until age 70 at which time I will draw my SS. However, a friend told me that she thought … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I turned 66 in May 2016. I was told by my SS office that at
I turned 66 in May 2016. I was told by my SS office that at age 66 I could choose my SS or my ex-spousal benefit, and marrying again would not affect it. I was also told that if he died, I would recei… read more
TaxRobin
TaxRobin
Vocational, Technical or Trade School
1 satisfied customers
I am divorced and not remarried. I was married years. My
I am divorced and not remarried. I was married for 30 years. My ex-husband will be 67 in September 2016 and will be retiring. I will be 62 in January 2017. I plan to take my social security at age 70.… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
My situation is this. 1. I married a woman W1 and was
My situation is this. 1. I married a woman W1 and was married for > 10 years. Divorced. 2. Married W2 and divorced. 3. Currently unmarried and approaching 60 in the coming years. W1 is also approac… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
I turn 66 in April and am eligible without age reduction. I
I turn 66 in April and am eligible for SS without age reduction. I was married for more than 10 years and have not remarried, so I qualify for Divorced Spousal Benefits according to the website. My pl… read more
PDtax
PDtax
CPA firm owner
5,084 satisfied customers
A am 66 years old, divorced, and retired. I am planning on
A am 66 years old, divorced, and retired. I am planning on taking my Social Security at age 70. My question is can I make a claim on my ex-spouse's Social Security? We were married for 22 years and ha… read more
PDtax
PDtax
CPA firm owner
5,084 satisfied customers
Here's one. I am a 62 year old women collecting SS
Here's one for you. I am a 62 year old women collecting SS disability for between six and seven years. I am divorced from my ex-husband over 10 years ago. I did remarry and he died 5 years ago. Since … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I am 68 and dont plan to collect benefits under my own name
I am 68 and don't plan to collect benefits under my own name until I am 70. However, I was married and divorced and am eligible to take benefits via my ex husband. If I did so now - and collected for … read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 satisfied customers
I would like to find out if I am eligible to collect social
I would like to find out if I am eligible to collect social security benefits on ex-spouse's work record now. We divorced after 20 years of marriage. She is 58, employed full time and is remarried. I … read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
i am divorced..my ex wife just turned 62, i am 60. my understanding
i am divorced..my ex wife just turned 62, i am 60. my understanding is that my ex cannot collect on my benefits until i reaach 62. can she collect on the SS owed her now nad hvae that benefit increase… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
I am 64 and plan to work until Im 68 or 69 and Ive maxed
I am 64 and plan to work until I'm 68 or 69 and I've maxed out on SS earnings for at least 20 years. My ex-husband will turn 62 in March; we were married 15 years. Can he apply for Soc Sec when he's 6… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
I want to start receiving 1/2 of my ex-husbands SS beginning
I want to start receiving 1/2 of my ex-husband's SS beginning January 2014. Then when I turn 70 (April 4, 2016) stop collecting 1/2 of his and begin collecting all of mine.… read more
TaxTom
TaxTom
Accountant
Bachelor's Degree
14 satisfied customers
im 63 yrs old,been divorced for 12 yrs,my ex-wife died 2 yrs
i'm 63 yrs old,been divorced for 12 yrs,my ex-wife died 2 yrs ago, we were married for 17 yrs .no dependent children. neither of us re-married. am i entitled to any benefits? thank you… read more
JerrySJD
JerrySJD
Attorney-at-Law
Doctoral Degree
189 satisfied customers
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x