Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

I recently turned 64 and earn $52,000 annually. My ex-spouse…

Customer Question
I recently turned 64...

I recently turned 64 and earn $52,000 annually. My ex-spouse earns 350,000 annually. We were married twenty years. His birth year is 1947. He continues to be employed full time. I do not know if he has applied for benefits. I would like to know what action would serve my best interest in planning my retirement in 2019. Thank you.

Submitted: 10 months ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Answered in 31 minutes by:
10/3/2017
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 10 months ago
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 14,886
Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
Verified

If you'll look at the attached table (note the column for "unmarried divorce spouse"), as long as you were born January 1 1954 or earlier, you can file what's called a restricted application for spousal benefits only.

...

(Those born after that, no longer have the option, because of the changes brought about by the Bi-partisan Budget Act of 2015.)

...

When you do this, your OWN work record benefit accrues an additional 8% delayed Retirement Credit (DRC) for every year that you wait to take the benefit between age 66 (full retirement age for those born between 1943 and 1954) and age 70 ... making your own benefit a full 132% of what it would be at full retirement age.

...

I'd need to know both benefits to run the numbers, but becasue the benefit is only based on the wage base (76000 to 108000 between his own benefit would not necessarily be more than twice what yours is AND remember that the divorce spousal benefit is only 1/2 of the worker's benefit.

Ask Your Own Social Security Question
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 10 months ago

SO its VERY likely that filing the restricted application to let your own grow and then switch to your own benefit at age 70 will maximize benefits for you.

...

Please let me know if you have ANY questions at all, before rating me.

If this has helped, and you DON’T have other questions … I'd appreciate a positive rating (using the stars or faces on your screen, and then clicking “submit")

That’s the only way JustAnswer.com will compensate me for the work here.

Thanks,

Lane

Ask Your Own Social Security Question
Customer reply replied 10 months ago
thank you The bot***** *****ne is that I will wait until I am 66
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 10 months ago

Yes, as you can see that IS one of the requirements to be able to do the restricted application. I'd agree.

...

You're very welcome ... Your positive rating … (by using those the stars or faces on your screen, and then clicking “submit”) …is thanks enough!

That's the only way I'll be compensated by JustAnswer for the work here

...

Thank you,

Lane

Ask Your Own Social Security Question
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 Lane Your Own Question
Lane
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 14,886
14,886 Satisfied Customers
Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986

Lane 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 have a surviving spouse question. My husband died in 2017.
My husband died in 2017. He was 68 and had been collecting benefits for about 2 years. About 2,200 per month. Of course that stopped when he passed. I was told I needed to be 64 or make less than a certain amount to get his benefits. I wanted to know if I would get his benefits when I turn 64 next year? … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I was married for twenty years to the same man. If I get
I was married for twenty years to the same man. If I get married again before I turn 62 will I still be able to collect my ex husbands social security? … read more
Matthew Breecher
Matthew Breecher
President
MBA (Graduate Legal Studies)
286 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
Can I collect now on my ex husbands benefits at age 62 1/2
Can I collect now on my ex husbands benefits at age 62 1/2 while still working full time and then at age 66 switch to my benefits and collect while still working full time? … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I am business professional with a salary of about $140,000
I am business professional with a salary of about $140,000 annual. I have paid the maximum into SS for the past several years. I will be 64 on December 1 (BD 12.01.1952). My husband will be 70 on 7/1/… read more
ABC Accounting Group
ABC Accounting Group
Bachelor\u0027s Degree
848 satisfied customers
My ex-husband gets social security disability.He is age and
My ex-husband gets social security disability.He is age 69 and retired from the military after twenty years. I know that because we were married twice and for over ten years I can file my social secur… read more
Dr. Fiona Chen
Dr. Fiona Chen
President
Ph.D.
1,410 satisfied customers
I was born in 1947. I was married over 10 years before
I was born in 1947. I was married over 10 years before divorce. Do I get a spousal benefit in addition to the $1,000 a month I'm currently getting from Social Security?… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I turn 66 November 14, 2016, still working and I was married
I turn 66 November 14, 2016, still working and I was married for 10 years. Can I file for SS in September to receive my ex-husbands (50%) SS, and wait to file mine until I retire?… read more
TaxRobin
TaxRobin
Vocational, Technical or Trade School
1 satisfied customers
My husband and I were divorced in 2007 he recently died of
my husband and I were divorced in 2007 he recently died of cancer we were married for 22 years. he recently got married before he died, they were married for only three years cab I apply for his ss my… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I am 62 in two months. I was married 12 years and am now
I am 62 in two months. I was married 12 years and am now divorced from my ex for two years-he is almost three years my junior (59) - yet was the larger earner I am self employed and would like to file… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
2,212 satisfied customers
I was married years and have been divorced years. I am not
I was married for 21 years and have been divorced for 22 years. I am not remarried. I understand I am able to receive my ex-spouse SS instead of mine, based on whichever is higher. How do I find out w… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
I am divorced and just turned 65 on 12/27. My ex husband
I am divorced and just turned 65 on 12/27. My ex husband will be 65 on 8/14/2016. I would like to draw on his benefit when he starts drawing as it will be more than mine. 1). I'm assuming that his cur… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 satisfied customers
I'm not quite 64 and not ready to file Security. I recently
I'm not quite 64 and not ready to file for Social Security. I recently lost my job of 20 years and haven't yet found a new one. I wasn't planning on filing for SS until I turned 70. My question is, ca… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
Hello, My ex and I were married for 20 years. He is 64
Hello, My ex and I were married for 20 years. He is 64 and is receiving social security benefits. We have been divorced almost 20 years. I am 62 and still working. Am I eligible to file for spousal be… 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 am about to turn 64 y/o and am still working. I was divorced
I am about to turn 64 y/o and am still working. I was divorced from my husband 4 years ago after 37 years of marriage. He turned 65y/o 11/15/2012 and remarried a year ago. Can I apply to collect on hi… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
Id like to know WHY is it that when you turn 62 years old,
I'd like to know WHY is it that when you turn 62 years old, yuo are penalizied if you are still working and still paying taxes. PLEASE let me know WHY we are put on limited income for 4 or 5 years dep… read more
LawGuy
LawGuy
Juris Doctor
123 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