"Even in the best of times, Social Security is a maze of complicated rules and notable exceptions. For a divorced spouse who wants to claim benefits on their ex’s record, it can get even trickier."
Here are five key rules from an advisor and a Social Security expert who specializes in divorce, by Ginger Szala. https://www.thinkadvisor.com/2021/04/02/5-rules-for-claiming-social-security-benefits-after-divorce/
1. The ex-wife making the claim will get 50% of the ex-husband’s primary insurance amount. It doesn’t matter when he claims.
2. The spousal benefit amount ‘tops up’ the claiming spouse’s own benefit.
3. The ex-husband’s Social Security benefit isn’t reduced. In fact, he may never know she’s made the claim. (works for both men and women)
4. If the ex-husband dies before FRA, the ex-wife still can claim benefits on his record.
5. If an ex-wife claims her own benefits before FRA, it reduces not only her own payout but also her spousal top-up.
Read the full details: https://www.thinkadvisor.com/2021/04/02/5-rules-for-claiming-social-security-benefits-after-divorce/
No comments:
Post a Comment