The Benefits Blog

I have a client who is going to be 65 in Jan. She’s divorced and no longer speaks to her ex. He’s an immigrant, but has worked long enough to get SS and is a little older.  He is already receiving his benefit. Let’s say his benefit is $1,000 per month and she’s entitled to 50%.  If she claims off ex...

I have a client inquiring about the Form SSA-2. Her question is below:   “I understand there’s a form SSA-2 about collecting on your divorced spouse, that my daughter keeps telling me about. When I applied for Social Security, I did have to put in my information about being married and being divorce...

I just wanted to clarify my last email and I thank you so much for your expertise and help. I have a sixty-two-year-old woman who was married to a gentleman for over fourteen years they divorced ten years ago.  She never remarried, he did. He is now seventy-two and drawing Social Security retirement...

A client claimed her own benefit when she turned 62 last year. Her ex turned 62 this year which qualifies her for a greater spousal benefit. When she called Social Security to claim off her ex, the representative recommended she defer spousal for a larger future benefit. This doesn’t seem right cons...

Does deemed filing does apply to child in care (young mothers/young fathers) and SSDI?

Deemed filing rules do not apply to child-in-care benefits or Social Security Disability Insurance (SSDI). Here’s how deemed filing works and why it’s different for these types of benefits:

1. Deemed Filing Ove...

I have a potential client who is 61 and will be 62 in October. She is currently divorced and has not drawn any Social Security benefits. Am I correct in stating she can reach out to SSA and draw off her ex-husband’s record given they were married for 10 years, as long as his record his higher than h...

Wife is collecting SSDI, but the husband with a much larger benefit has not filed for SSB.  Since she has SSDI, does deemed filing apply?  Meaning she will get a reduced Spousal benefit when the husband does file. This makes me think that she can refile for spousal at FRA if she wanted to get the ma...