Social Security

Ask Social Security Questions and Get Answers ASAP

Ask an Expert,
Get an Answer ASAP!

Social Security

I collect one half my benefits since I was in the Postal…

Customer Question
I collect one half...

I collect one half my benefits since I was in the Postal Service. I got my 40 quarters, but they said I can only receive half. Since then my exwife is now receiving benefits, we have been divorced 20 years and I never remarried...can I collect half of hers

Accountant's Assistant: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Is there anything else the Retirement Accountant should be aware of?

Not that i know of

Submitted: 2 months ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Customer reply replied 2 months ago
I was paying into csrs not SS until I retired and started working outside of the government.
Answered in 1 hour by:
12/15/2017
Social Security Expert: emc011075, Tax Adviser replied 2 months ago
emc011075
emc011075, Tax Adviser
Category: Social Security
Satisfied Customers: 3,388
Experience: Tax adviser IRS licensed Enrolled Agent and tax instructor
Verified

Hi. My name is ***** ***** I will be happy to help you.

Your own benefits are offset by WIP - Windfall elimination provision. Basically your government pension is reducing your social security benefits. However, the same government pension will also reduce your spousal benefits (based on your spouse's record). The provision is called Government pension offset or GPO. You can only collect one benefits at the time, which means if benefits based on your ex spouse's records (after GPO) are higher than your own benefits (after WIP) you can switch to spousal benefits. Unfortunately you cannot get your spousal in addition to your own.

Ask Your Own Social Security Question
Customer reply replied 2 months ago
well my ex wife gets lots more than me, how can I switch? I got a letter from SS telling me to apply for hers. Can I do that and just collect hers and not mine, even if I was csrs.
Social Security Expert: emc011075, Tax Adviser replied 2 months ago

If benefits based on her records are higher than your own than you can contact social security and switch. Your spousal benefits are 35 - 50% of what she was/will be eligible for at her full retirement age. Your spousal benefits will be reduced by your government pension offset, by 2/3 of your pension to be exact.

For instance, if your pension is $900/month your spousal benefits will be reduced by $600/month. You will need to contact social security to get exact amounts. Once you determine that your spousal benefits are higher than you can switch by calling social security directly, login into your online social security account or visiting your local office.

Ask Your Own Social Security Question
Customer reply replied 2 months ago
if my pension is 3000 a month and her SS is 3000 a month the offset would be 2000 leaving me with 1000 does that seem right or would i only get half of that, which is still more that my 342 dollars. If this is right i should apply for hers.
Social Security Expert: emc011075, Tax Adviser replied 2 months ago

Not exactly. If her benefits are $3000 (assuming that's her full retirement age amount), your spousal benefits will be between 35 and 50% (depending how old you were when you applied for your own). So lets assume you applied for your benefits on or after your reached your full retirement age and your spousal benefits are 50% of her benefits, or $1500. If your pension is $3000, the offset will be $2000 (2/3) which eliminates your spousal benefits entirely.

Ask Your Own Social Security Question
Customer reply replied 2 months ago
Wow who thinks of this stuff...thanks you have been very helpful. I guess I will remain happy with my 342 dollars...as hey say beer than nothing
Social Security Expert: emc011075, Tax Adviser replied 2 months ago

You're welcome. Is there anything else I can help you with today?

Ask Your Own Social Security Question
Was this answer helpful?
Ask emc011075 Your Own Question
emc011075
emc011075
emc011075, Tax Adviser
Category: Social Security
Satisfied Customers: 3,388
3,388 Satisfied Customers
Experience: Tax adviser IRS licensed Enrolled Agent and tax instructor

emc011075 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

3,441 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

4,565 satisfied customers

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

LawTalk

LawTalk

Attorney

3,065 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

3,234 satisfied customers

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

< Previous | Next >

Related Social Security Questions
Can a ex spouse claim ss benefits of mine.? How would it
can a ex spouse claim ss benefits of mine. ? How would it affect me? … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
How to precede after spouse has died. My spouse has died.
My spouse has died. How to apply for benefits? I already receive a small benefit … read more
Barbara
Barbara
Enrolled Agent, Paralegal
4,122 satisfied customers
If I am already receiving social security and my ex spouse
If I am already receiving social security and my ex spouse passes can I receive an increase in my social security payment … read more
Barbara
Barbara
Enrolled Agent, Paralegal
4,122 satisfied customers
I am and was married for17 years my, former spouse is
I am 69 and was married for17 years my , former spouse is collecting so, I understand I may be eligible for his social security,his. Number is###-##-####David Michael Berard, can you help me, Roberta … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
When both spouses receive SS (Husband 2200 monthly and wife
When both spouses receive SS (Husband 2200 monthly and wife 930 monthly) and either dies, what are the calculations for the remaining spouse? … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I was wondering If I have an ex spouse That I was married to
I was wondering If I have an ex spouse That I was married to for over 10 years and he makes more than I do and so security. Can I get my Social security matched even if he still alive. … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
The survivor spouse had been receiving the social security
The survivor spouse had been receiving the social security benefit as survivor even after she got remarried. Is eligible to receive the benefit even after she re married?… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
How do I apply for death benefit of spouse, My spouse passed
My spouse passed away 12-9-17. I'm told there is a $250 burial benefit payable to the surviving spouse. … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
How does the "divorced spouse" apply and what if any
How does the "divorced spouse" apply and what if any additional benefit will I receive. I am currently 62 yr 9 months and I my ex-husband is 79 yrs old and retired at 66 yr. I did not work for long pe… read more
Chad EA, CFP ®
Chad EA, CFP ®
IRS Enrolled Agent, CFP(R),
Master\u0027s Degree
1,374 satisfied customers
Windfall elimination. I am 66 years old and am still working
Windfall elimination. I am 66 years old and am still working and paying into SS. I am not collecting SS. I am at the age where I can collect SS with out being penalized. My question is, I worked where… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I did the estimator for retirement, But my ex spouse's
Hi i did the estimator for retirement, But my ex spouse's income wasnt included, How do I know what to expect from his benefits? … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
What are all the benefits for spouses of 100% total
What are all the benefits for spouses of 100% total permanent unreviewable combat veterans from post 9/11?… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
Why can I not collect on my ex spouses S S, because I have a
Why can I not collect on my ex spouses S S , because I have a State Retirement … read more
emc011075
emc011075
Tax Adviser
3,388 satisfied customers
If a spouse makes 80k and the other spouse gets SS and makes
Hello, If a spouse makes 80k and the other spouse gets SS and makes 15k. How would SS be taxed or would it be taxed?… read more
Barbara
Barbara
Enrolled Agent, Paralegal
4,122 satisfied customers
If a spouse dies and the deceased spouse ss has been
If a spouse dies and the deceased spouse ss has been activated and the others has not, can the surviving spouse collect the ss of the deceased until 70 when they then activate their own ss? They make … read more
emc011075
emc011075
Tax Adviser
3,388 satisfied customers
I need information about ss Government Pension Offset rules
I need information about ss Government Pension Offset rules for spouse/survivors. I have a non-ss government pension but I have worked 19 years also under ss. One ss person said that I was not eligibl… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,234 satisfied customers
Please tell me how the Windfall Elimination Provision
Please tell me how the Windfall Elimination Provision affects Social Security survivors benefits… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
Windfall Elimination Provision: CSRS retiree and paid into
Windfall Elimination Provision: I am A CSRS retiree and paid into Social Security for approximately 15 years. Why am I not entitled to full social security benefits that I have paid. Also why is my wi… read more
NPVAdvisor
NPVAdvisor
CFP Licensee and Practitioner
Master's Degree
180 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