How Can I Switch From My Social Security Benefit To A Spousal Benefit
Say you start collecting Social Security benefits at age 62 based on your own work history. Your spouse keeps working and delays filing until age 70. If your spousal entitlement is higher, you can switch to that. The spouse will get the maximum amount while you’ll get 50% of the amount the spouse would have received at full retirement age.
To monitor your benefits or change them, you can create an account on the Social Security site. It contains a wealth of information and it allows you to make some changes online, although others require a phone call.
How Long Do You Receive Social Security Survivor Benefits
Social Security survivor benefits are payable to the surviving spouse for the remainder of their life. Restrictions apply for divorced spouses eligible to receive benefits.
Benefits for surviving children end at age 18 or age 19 and 2 months if still pursuing their elementary or secondary education. For surviving children who became disabled before age 22, their benefits continue for life.
What If The Disabled Spouse Is Not Collecting Benefits
If your disabled ex-spouse hasn’t yet filed a disability claim for SSDI, the rules are a bit more complicated. You can collect SSDI only if both you and your ex-husband or ex-wife are 62 years old or older, you were married at least ten years, and you have been divorced for at least two years . This is true as long as your disabled spouse is eligible for SSDI under the medical disability rules in certain circumstances, the disabled spouse may not need to be eligible under the non-medical eligibility rules. Specifically, the disabled spouse may be allowed to make more earnings than would be allowed under a claim for his or her own disability benefits.
When Is A Spouses Income Deemed To You
If you and your spouse have no children and your spouse makes more than $386 per month, his or her income is subject to deeming.
If you have one child, your spouses income is subject to deeming if he or she makes more than $772 per month.
If you have two children, your spouses income is subject to deeming if he or she makes more than $1,158 and so on, adding $386 for each child.
Eligibility For Ssdi Spousal Benefits
Some requirements must be followed if a spouse wishes to qualify for SSDI spousal benefits. The person expecting to receive compensation must be a spouse to the Social Security disability insurance recipient for a complete year. The spouse should not be collecting Social Security disability on their own
Additionally, if the spouse is looking after a child who is under the age of 16 or a child that is disabled, they may be eligible for the compensation. However, note that the child must be related to the retired or disabled recipient receiving SSDI benefits.
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Can You Get Ssdi Benefits If Your Spouse Works
Submitted by Kyle on Wed, 12/07/2011 – 14:34Kyle’s Blog
Eligibility requirements for Social Security Disability benefits can be convoluted and confusing. One of the most common questions asked is whether an individual can receive Social Security Disability Insurance payments if you’re married and your spouse is working. If your spouse is working, you may be a able to qualify for Social Security Disability Insurance.
Social Security Disability is designed to protect workers and their families. When one partner in a married relationship is unable to work, it may be extremely difficult to keep up with bills, mortgage payments and other financial obligations. Because of this, you may still receive SSDI even if your spouse is working.
The Emotional Side Of Caregiving
You and your care recipient will likely have a variety of intense emotional responses. This is normal.
Your loved ones radical change, whether it’s a spinal cord injury, chronic disease, loss of a limb, or any other number of debilitating circumstances, will undoubtedly test both of you. Anger and bitterness are to be expected, but you should also prepare to feel fear and anxiety that you wont be able to physically or emotionally be able to handle your new stations in life.
You may mourn the loss of your loved ones health as you struggle to adapt to the reality of your new future. Isolation is another common symptom, especially during the inevitable quiet times. You may also feel unbalanced because many of your own needs are now going unmet.
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Ask Larry: Can I Pay Into Social Security To Increase My Retirement Benefit Amount
Social Security may be one of your largest assets. What and when you collect will make a huge difference to your lifetime benefits.
Todays column addresses how benefits can be increased, when spousal benefits can become available, when repayment of benefits received might be necessary, spousal benefit availability after the Bipartisan Budget Act of 2015 and how divorce and remarriage can affect benefit eligibility. Larry Kotlikoff is the founder and president of Economic Security Planning, a company that markets Maximize My Social Security, a Social Security benefits calculator referred to in this post.
Ask Larry about Social Security:
Can I Pay Into Social Security To Increase My Retirement Benefit Amount?
Hi Larry, I have worked overseas for over many years. As a result, my estimated monthly benefit when I start to claim would be around $200. Im 58 and hope to keep working until 65. My wife has heard that there is a way for me to catch up my Social Security contributions once we return to the US permanently. Id be happy to make up twenty years of contributions if allowed. Would such a thing be possible? Thanks, Al
Can I Receive My Spousal Benefit When My Husband Retires?
Hi Larry, I began receiving Social Security disability benefits before my full retirement age. When my husband retires, can I receive my spousal benefit based on his work? It will be $400$500 dollars more per month. Thanks, Marie
Lost Or Stolen Federal Payments
Report your lost, missing, or stolen federal check to the agency that issued the payment. It’s usually one of these paying agencies. If your documentation indicates it’s a different agency, and you need its contact information, look in the A-Z Index of U.S. Government Departments and Agencies.
To get an update on your claim, contact the Treasury Department Philadelphia Financial Center at 1-855-868-0151, option 1.
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Chapter : How Much Will You Receive In Survivor Benefits
After the passing of the worker, Social Security pays a one-time death benefit of $255 which can be collected by the widow or child.
Then there is the monthly Social Security survivor benefit. That benefit is based on the Social Security benefit the worker was receiving .
The benefit can be up to 100% of what your spouse would have received at full retirement. If the benefit you would receive as a survivor is higher than the benefit you receive on your own, Social Security will pay you the higher of the two amounts, not the two combined. However, survivor benefits, unlike spousal benefits, dont have to be claimed at the same time as your own retirement benefits. You can, in many cases, receive one benefit for a time and then file for the other one later. This is a common strategy for widows to take to maximize their benefits.
Did you Know?
The earliest a widow or widower can apply for survivor benefits is age 60 .
Getting Help With Your Disability Questions
Your disability benefits are an essential source of income for you. Before making major life adjustments, it is therefore crucial you know how those changes will affect your benefits. A disability attorney or advocate can help you understand the SSAs rules and regulations can help you understand the SSAs rules and regulations and advise you on the best course of action given your specific circumstances.
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What Percentage Of Social Security Benefits Does A Widow Or Widower Receive
The surviving spouse can receive 100% of the benefits at full retirement age. If the surviving spouse is between age 60 and their full retirement age, they can receive reduced benefitsusually 71.599%. If the surviving spouse is disabled, they can begin receiving 71.5% of the benefits at age 50. Surviving spouses with children under 16 receive 75% of the benefits
Can A Foreign Spouse Of American Expats Receive Social Security Spousal Benefits
As a general rule, a foreign spouse cannot obtain social security spousal benefits if the both rules are met:
1. Foreign spouse is not a US citizen or green card holder.
2. Foreign spouse has lived outside of the USA for six consecutive months.
However, there are three exceptions to this rule. The country of citizenship and residence as well as the period of US residence play a key role in determining the eligibility for social security spousal benefits.
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Eligibility For Spousal Benefit
If you begin to receive SSDI benefits, your spouse may also be eligible for benefits on your earnings in the following situations.
Your spouse is 62 years or older. If your spouse is 62 years or older when you start receiving disability benefits, he or she can also get a monthly benefit based on your earnings record unless he or she can get a higher benefit amount on his or her own record. But if your spouse collects a spousal benefit before full retirement age, the early retirement penalty will permanently lower his or her benefit. This does not apply to those caring for a child under 16 who is eligible for a child’s benefit.
Your spouse is caring for your minor child. Your spouse can get benefits if he or she cares for your child who is under the age of 16. While a child’s dependent benefits continue until age 18, your spouse’s benefits will stop when your child turns 16, unless your spouse becomes eligible for retirement or widower benefits. Note that the early retirement penalty does not apply to those caring for a child under 16.
However, if your spouse works while collecting benefits based on caring for a child under 16, Social Security may take away some of the spousal benefit. For the year 2020, if your spouse earns over the limit of $18,960 , the spousal benefit will be reduced by $1 for every $2 earned over the limit. This can lower the spousal benefit to zero.
Canada Pension Plan Disability Benefits
The Canada Pension Plan provides monthly payments to people who contribute to the plan during their working years.
You may be eligible for CPP disability benefits if:
- you contributed to the CPP for a certain number of years
- you’re under 65 years old
- you have a severe and prolonged mental or physical disability
- your disability prevents you from working on a regular basis
The benefits include payments to children of a person with a disability.
Apply as early as possible if you think you’re eligible for CPP disability benefits. Quebec residents may be eligible for a similar program called the Quebec Pension Plan . It may take several months to process your application.
If you applied for CPP or QPP disability benefits and were told that you’re not eligible, you can ask to have your application reviewed or considered again.
Once you reach age 65, your CPP disability benefit will automatically change to regular CPP payments. Your regular CPP payments may be less than the CPP disability payments you got before.
If so, consider:
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Spousal Benefits For Divorced Spouses
If you’re divorced, you may be eligible for spousal benefits based on your ex-spouse’s work record. The rules are much the same, plus:
- Your marriage must have lasted for at least 10 years.
- You must currently be unmarried.
If your former spouse hasn’t filed for benefits yet, you can still file for spousal benefits if you have been divorced for at least two years.
If your ex-spouse is still living, in most cases you must be at least 62 years old and your spouse must be old enough to qualify for benefits.
If your ex-spouse has died, your benefits are similar to those of a widow or widower.
Social Security Disability Insurance
SSDI is the benefit paid to disabled workers who have paid taxes into the Social Security for multiple years. To receive SSDI, you have to fit the Social Security Administration’s definition of disability, but you can be unmarried or married. Getting married won’t ever effect SSDI benefits that you collect based on your own disability and your own earnings record.
However, certain dependents of a disabled worker can receive SSDI auxiliary or survivor benefits based on the disabled worker’s earning record. Some of these dependents’ benefits are given only to family members who are unmarried.
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Preventing Losses And Fraudulent Activity
Its important to protect your Social Security debit card like you would any other credit or debit card or even your cash.
Keep your PIN safe, and dont share it with others. If your Direct Express card is lost or stolen, you should report your missing card immediately by calling the customer service number on the back of the card, so it is wise to copy that number and keep it separate. Direct Express will replace your card so you can continue to access your account. The first replacement card each calendar year is free after that, theres a $4 fee to replace a missing card. Your replacement card should arrive in the mail within seven to 10 days.
You can have a replacement card expedited by request. The fee for this service is $13.50.
Claiming Early Or Late
Your spousal benefit is based upon your partner’s “normal” benefit amount. But the amount you receive will depend upon when you begin to claim it.
You can claim spousal benefits as early as age 62, but you won’t receive as much as if you wait until your own full retirement age. For example, if your full retirement age is 67 and you choose to claim spousal benefits at 62, you’d receive a benefit that’s equal to 32.5% of your spouse’s full benefit amount.
The amount increases with each year you delay. At your full retirement age you’d be eligible for the maximum, which is 50% of your spouse’s full benefit.
Notably, spousal benefits are not reduced if the spouse is caring for a child who qualifies under the age or disability rules. Spousal benefits can never exceed 50% of the other spouses full benefit. So, there is no incentive to file for spousal benefits later than your own full retirement age.
An ex-spouse may be eligible for spousal benefits even if the former spouse hasn’t retired yet.
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What Happens If I Work And Get Social Security Retirement Benefits
You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefit. Starting with the month you reach full retirement age, we will not reduce your benefits no matter how much you earn.
- We use the following earnings limits to reduce your benefits: If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit.
For 2021 that limit is $18,960.
- In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit, but we only count earnings before the month you reach your full retirement age.
If you will reach full retirement age in 2021, the limit on your earnings for the months before full retirement age is $50,520.
Starting with the month you reach full retirement age, you can get your benefits with no limit on your earnings.
Use our Retirement Age Calculator to find your full retirement age based on your date of birth.
Use our Retirement Earnings Test Calculator to find out how much your benefits will be reduced.
What counts as earnings:
Your benefits may increase when you work:
When youre ready to apply for retirement benefits, use our online retirement application, the quickest, easiest, and most convenient way to apply.
If you need to report a change in your earnings after you begin receiving benefits:
Do My Disability Benefits Remain Intact If I Get Married
By Bethany K. Laurence, Attorney
Some types of Social Security Disability are for unmarried family members of the disabled person , while other types are for married or unmarried people, but have income limits. In that case, a new husband or wife’s income can be counted toward these limits and could make a disabled person financially ineligible for benefits. Let’s take a closer look at both of these situations.
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Getting A Social Security Number For A New Baby
The easiest way to get a Social Security number for your child is at the hospital after they are born when you apply for your childs birth certificate. If you wait to apply for a number at a Social Security office, there may be delays while SSA verifies your childs birth certificate.
Your child will need their own Social Security number so you can:
- Claim your child as a dependent on your income tax return
- Open a bank account in their name
- Get medical coverage for them
- Apply for government services for them