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.
Is There Any Way To Find Out My Spouse’s Social Security Number
I am a service member and I am stationed overseas and my spouse remained stateside. While being out here i found out he was cheatimg and have proof. Now I am trying to divorce my spouse. However, he is not speaking to me and has me blocked everywhere and changed his phone number. In order for me to start my divorce I need his social security number which he won’t give up because he doesn’t want to get divorced. Is there another route I can take?
Thank you for your service.
My only area of expertise is Social Security, and you couldn’t get your spouse’s SSN from Social Security due to the privacy act. One possibility that comes to mind is if you have access to copies of any joint tax returns that you’ve filed, his SSN should be on those. I don’t know what other options you might have.
How Do I Know If My Spouse Needs An Itin
If you have a Social Security number or individual taxpayer identification number , your spouse will need an ITIN so that you can file a joint U.S. income tax return. Otherwise, your tax status will be married filing separately, which typically increases your tax burden. An ITIN is also required if your husband or wife is not eligible for a Social Security number and earns income in the United States. With ITIN W7 Application, it’s easy to get an ITIN number online.
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Get Ssa Benefits While Living Overseas
U.S. citizens can travel to or live in most, but not all, foreign countries and still receive their Social Security benefits. You can find out if you can receive benefits overseas by using the Social Security Administrations payment verification tool. Once you access the tool, pick the country you’re visiting or living in from the drop-down menu options.
How To Protect Your Ssn
Since a lost or stolen SSN number can cause so much damage to your finances, you should always do everything possible to protect it. First, you should keep your Social Security card in a safe place and only carry it with you when absolutely necessary. Do not keep it in your wallet and carry it all the time because that greatly increases the odds that it will be lost. Also, be very mindful of phishing scams so that you do not inadvertently give your information to a thief.
Keep a close eye on your credit report. If you notice anything suspicious or see accounts listed that you did not open, then you should take immediate action. Go ahead and place a fraud alert with the credit bureaus Experian, Equifax, and Transunion. You might even consider placing a freeze on your SSN so that no one has access to your credit file. Depending on the severity of the situation, you might consider seeking legal advice for the proper way to handle the situation.
Request For Deceased Individuals Social Security Record
If using the SSDI does not work for you, you can also go straight to the Social Security Administration. The steps on how to find social security number of deceased relative on their site is very simple. Simply make a request online with the Request for Deceased Individuals Social Security Record form. Or if you prefer, you can print and fill out the form by hand by using Form SSA-711. There will be a small fee for the request.
It is important to note that the SSA will not released any information about a person in there records unless:
*Number holder = the deceased
The SSA will not release any the parents information unless:
What Is An Acceptable Form Of Proof Of Death?
In order to receive a social security number from the SSA acceptable proof of death is needed. Below is what the SSA deems acceptable:
If you are looking on how to find social security number of a deceased relative, follow the steps above and you will be successful.
Maximizing Your Spousal Benefits
The earliest you can claim spousal benefits is 62but how early you claim plays an important role in maximizing your benefits. If you claim before you reach your full retirement age, you will permanently lower your monthly benefit and even your survivor benefit.
While the Bipartisan Budget Act of 2015 ended some of the strategizing around spousal benefits, but there are still ways to maximize your spousal benefits:
- If you were born before Jan. 2, 1954, and havent claimed your own benefits yet, you are still able to take advantage of the loophole. You can file a restricted application for spousal benefits at your full retirement age. For this to work, your spouse must have already filed for their benefits. This strategy would let you start receiving spousal benefits, while delaying taking your earned benefits, causing them to grow. When you turn 70, you would then switch to those earned benefits .
- If you were born on Jan. 2, 1954 or later, and you are married, the higher earning spouse may consider delaying claiming their benefits until age 70 to increase the benefit with delayed retirement credits. Keep in mind, this would mean delaying when you can take your own spousal benefits, thus missing out a few years of those payments.
- If youre divorced, youll get the maximum spousal benefit, 50%, if you wait to reach your full retirement age. But you have the advantage of not needing to wait for your ex to file for his or her own benefits first.
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What If My Ex Is Deceased
Many divorced spouses are eligible for the same survivor benefits as current spouses, which means you could receive the full amount of your exs benefits, rather than just half. Again, your marriage has to have lasted at least 10 years and the amount has to be greater than what youd receive based on your own record. But there is one other big difference: You can begin receiving survivor benefits at age 60, or 50 if youre disabled.
You may also be eligible for child in care benefits if you are caring for the deceaseds children . This benefit is not available to divorced spouses unless their ex has died.
Social Security Spousal Benefits Loophole
A recent law changed the way many people can claim spousal benefits. The Bipartisan Budget Act of 2015 closed two Social Security spousal benefits loopholes mainly used by married couples.
Prior to the law change, people who were eligible for earned benefits and spousal benefits were required to file for both at the same time, a practice known as deemed filing. But that was only until they reached full retirement age. Once they hit full retirement age, if they hadnt claimed any benefits, they could claim just their spousal benefits first, and delay taking their own earned benefits. That allowed them to rack up delayed retirement credits until they turned 70.
The 2015 law, however, changed the rules so that anyone born on or after Jan. 2, 1954 is affected by deemed filing even after he or she reaches full retirement age. So when someone files for one benefit, they must file for both, and will only receive the higher of the two amounts, with no opportunity to switch later.
People born on Jan. 1, 1954 or earlier, however, can still file a restricted application for just one benefit until theyve reached full retirement age.
There are two exceptions where deemed filing doesnt apply:
File and suspend
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I Need To File For Divorce But I Do Not Know My Spouses Social Security Number What Can I Do And Can I Still File
- Posted on May 16, 2017
Yes, you do not need your spouse’s information, just an address for service of process when you file suit. Contact an attorney to discuss your rights and expectations so you can be prepared to get the best possible outcome in your case.
- Posted on May 16, 2017
When you are filing for divorce it is not necessary to know your spouse’s social security number. Later in the divorce toward the end some of the forms will ask for that information and if you know it will be helpful. However, to get everything started it is not necessary. You can read more about filing for divorce in this article I wrote http://www.bryanfagan.com/Family-Law-Blog/2016/November/Texas-Divorce-Details.aspx
Earn Ssa Work Credits In Some Countries
You may not have enough credits from your work in the United States to qualify for retirement benefits. But, you may be able to count your work credits from another country. The SSA has agreements with 24 countries. If you earned credits in one of those countries, they can help you qualify for U.S. benefits.
What Is A Social Security Number
A social security number is a nine-digit identification number given to U.S. citizens, permanent residents, and non-immigrant working residents. Social Security numbers are needed to work in the United States, to collect Social Security benefits, and to be eligible for other social services.
There are three different types of social security cards:
1. The most common type of social security card has the persons name and social security number. This type is typically given to U.S. citizens and legal permanent residents.
2. The second is designated for temporary workers or those with non-immigrant status. They are valid for employment with DHS authorization and can be used to satisfy I-9 eligibility requirements.
3. The last type is issued only for tax purposes and cannot be used with the I-9 form or for employment.
An I-9 Form is a government form used to verify an employee’s eligibility to work in the United States.
Make Sure You Can Answer Yes To These Questions
To qualify for an exs Social Security benefits, you need to be able to answer yes to these four questions.
- Were you married for 10 years or more? If your marriage lasted less than 10 years, you wont qualify for an exs benefits. Common-law marriages dont count. You also need to have been divorced at least two years before you can start getting checks based on your former spouses history, unless theyve already started receiving benefits.
- Are you at least 62? This is the minimum age for starting Social Security retirement benefits, no matter whose record youre using. However, you can qualify regardless of your age if youre caring for your exs child who is under 16 or disabled. If your ex-spouse is deceased, you can qualify for survivors benefits at age 60, or age 50 if youre disabled.
- Are you still unmarried? If youre currently married, you can only claim on your record or your current spouses record. Youll only be eligible 50% of their full benefit as well. And if youve been married and divorced multiple times? Social Security will use whichever ex-spouses record gives you the biggest benefit. Remember, though: Only marriages that lasted 10 years or more will count.
How Much Can I Receive
You can receive up to 50% of the amount your former spouse would receive in benefits at their full retirement age . This amount is not in addition to your own benefit and again, your benefit has to be lower than half of your exs benefit in order for you to apply. In other words, if your monthly Social Security check would be $1,000, and your exs benefit would be $1,500, you would not be eligible for former spousal benefits .
When applying for Social Security on your own record, your timing affects the amount you receive. That is also the case when applying on your former spouses record. You can begin receiving benefits when you turn 62, but since youd be applying for benefits before your full retirement age, your benefits would be permanently reduced by a percentage based on the number of months until your full retirement age. To get the full 50% of your exs benefit, you must wait until your full retirement age, but waiting beyond that age wont get you any additional money like it does when applying on your own record.
A few more details:
And if, like Elizabeth Taylor, you have been married more than once, you can choose which spouses benefits you want to collect on.
Strategies For Maximizing Spousal Benefits
Every married couple has to figure out the best way to maximize their benefits depending on their own circumstances.
The three strategies below will help you make the most of your Social Security spousal benefits, depending on your circumstances. However, keep in mind that, regardless of your circumstances, the most a spouse can get is 50% of the amount that the higher-earning partner is entitled to at full retirement age.
The File And Suspend Strategy
Prior to 2016, workers could file for benefits , then suspend their own benefits in order to maximize their credits for deferred filing. This so-called file and suspend strategy meant that a lower-income partner could take advantage of spousal benefits while the primary earner accrued delayed retirement credits, thereby increasing their benefit amount.
However, this “have your cake and eat it, too” loophole was closed with the Bipartisan Budget Act of 2015, which took effect in April 2016.
While it is still possible to file for benefits and then suspend payments temporarily, any other benefits that would normally be available on your account are no longer payable during such suspensions.
Its Always Smart To Maximize Your Social Security Benefits And If You Are Divorced One Way To Do That Might Be To Take Them Based On Your Exs Earnings Record Here Are Some Of The Rules On How That Works
Divorce is always tough emotionally and financially. But divorce later in life can be especially challenging While marital splits in the U.S. are generally on the decrease, the divorce rate among Americans 50 and older has roughly doubled since the 1990s, and almost tripled for those over 65.
If youre divorced and nearing retirement, its a good time to educate yourself about Social Security and to learn the ins and outs of collecting benefits from a divorced spouse.
First of all, yes, you can collect on your ex-spouses record if:
- You are at least 62 years old.
- You are single.
- You were married to your ex-spouse for at least 10 years.
- The benefit you are entitled to receive based on your own work history is less than the benefit you would receive based on your former spouse’s work history.
- Your ex-spouse qualifies for Social Security benefits.
You can even begin drawing benefits before your ex has retired, as long as they qualify and youve been divorced at least two years.
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How To Get A Social Security Card
How To Get An Itin
Your spouse can easily apply for an ITIN number online. Once the form is complete, you must print it out and submit it along with your tax return. He or she will also need to submit copies of supporting documents with your ITIN number application. These can include a passport, photo ID, birth certificate, visa, or another document that is approved by the IRS. Unless your spouse submits a passport, he or she will need to show one document that proves your identity and another that indicates foreign status.
Get the ITIN process started with ITIN W7 Document Preparation by accessing our W-7 form instructions. We will walk you through the application process and offer assistance in both English and Spanish through chat and email.
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