The Benefits Blog
The Benefits Blog provides expert insights, updates, and strategies on Social Security and Medicare, tailored for financial professionals looking to enhance their knowledge and better serve their clients. Stay informed with the latest developments and tips to maximize benefits for your clients.
Restricted Application on a Divorced Spouse's Record
Aug 23, 2024
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I know in the NSSA® class in Kansas City you said that someone could still do a Claim and Suspend (really means Restricted Application!) on a Divorced spouse. I think I had it come up recently at a SS workshop, asking if a person could do a Restricted application on a Divorced spouse.
Yes, a divorc...
Eligibility for Widower Benefits After Remarriage
Mar 04, 2024
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A new case has come to my attention where the ex-wife of over 10 years died. The ex-husband has remarried but remarried after age 60. He went to SSA to file on the ex-wife’s record (widower benefits) and was denied.
- Married over 10 years
- Divorced more than 2 years (not an issue-MDK)
- Remarried a...
Can a Divorced Spouse Switch from Spousal Benefits to Her Own at Full Retirement Age?
Jan 18, 2024
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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...
Spousal Benefits for the Wife of an Incarcerated Ex-Husband
Jan 10, 2024
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Will the wife of an incarcerated ex-husband be eligible for a spousal benefit on her ex-husband’s work history? Would it make a difference if they were not officially divorced?
 The wife of an incarcerated ex-husband may still be eligible for a spousal benefit on her ex-husband’s work record, provi...
Social Security Benefits for Divorced Spouses with Minor Children
Sep 19, 2023
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I had a gentleman in a class yesterday with this scenario that I want to confirm with you. He is age 62 and will be 63 in Oct – Birthdate is 10/13/1960. He was married for 15 years and has been divorced 3 years. Neither ex-spouse is remarried. Ex-spouse birthday is 06/27/1973. They have four childre...
Estimating Social Security Benefits for a Divorced Client with a State Pension
Nov 24, 2022
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Hope all is well. I have a case that I’m working on right now where I’m trying to estimate a clients social security benefit. Could you possibly help point me in the right direction. Here’s info about the client
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She just turned age 65 and is divorced (divorce happened more than 2 years ago) and...
Filing Social Security Benefits as a Divorced Spouse
Jun 01, 2020
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It’s been several years since I’ve had a divorcee! Since the rules changed regarding spouses where one cannot file and suspend and must file for benefits for the other to file on their record, does the same hold true for ex-spouses? Are there any other requirements that I should know about?
For div...