We've revised this video to improve the sound quality: kzitem.info/news/bejne/qoRnyouOmHOkl4osi=JSlc9k2u-TnQjttv
@christinepemberton5077
2 жыл бұрын
Great information! Could you get together on your sound on the next one? One of you are really loud and the other I can barely hear. I'm having to constantly change the volume!
@Dolphinfinancialgroupfl
2 жыл бұрын
Yes! We have been trying to improve our sound quality each week. We are getting closer to something everyone likes. Thanks for listening.
@alisoncalton1113
2 жыл бұрын
Agree. Dark blue shirt guy had a huge mic in front of him-great sound. Plaid shirt guy had no visible mic and his voice was faint. Seems like an easy fix-get one of those big mics right in front of your mouth 😂💜
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@yasky14
Жыл бұрын
RECORDING QUESTION: Is it possible to for you guys to PLEASE go back & either boost the volume of the recording for the left speaker or reduce the volume of the recording of the speaker on the right (who's talking on a microphone)? This is all great info but it's almost unbearable to listen to it because if I maintain the correct volume for the left speaker then the speaker at the microphone is so booming loud it's ridiculous!!!
@Dolphinfinancialgroupfl
Жыл бұрын
Sorry about that. We definitely had some audio quality issues when we switched to video recordings from our traditional podcast. Each week we try to improve our quality. This is an early video, but definitely a popular video, so perhaps we'll redo it with better quality equipment. Thanks for listening despite these issues! Check out our Social Security playlist: kzitem.info/door/PLOVSZj3M-4SK-ypBp97bmEqe8h2pCJcfm
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@inesnorris1414
Жыл бұрын
First time washing your channel.Is very interesting Thanks for your information 👍
@Dolphinfinancialgroupfl
Жыл бұрын
Glad you found us interesting. We have a new video each week so stay tuned.
@taxlawandyou9777
2 жыл бұрын
Thank you for sharing this information~Subscribed and looking forward to watching other videos! Your presentation allows oneself to understand, apply and retain the rules by your forming them in an organized and chronological order.
@Dolphinfinancialgroupfl
2 жыл бұрын
Glad you found this info helpful!
@pichick2595
Жыл бұрын
With respect for your overall knowledge, this video significantly confuses the important rules affecting filing. It’s perhaps the result of your effort to answer the questions you’re commonly asked. However, the shifts in focus, the disjointed nature of your delivery of info made it difficult to follow any of the specifics. I wish you’d laid out each rule and any provisions individually.
@clarajanegill276
Жыл бұрын
Do you have be married how long to get x husband check
@richardeidemiller6739
Жыл бұрын
@@clarajanegill27610 years. Vicki
@rsreyes779
Жыл бұрын
Than you, for the information.
@Dolphinfinancialgroupfl
Жыл бұрын
We hope you learned something new to share with others.
@mariareynoso3987
2 жыл бұрын
Loved all the information thank you
@Dolphinfinancialgroupfl
2 жыл бұрын
Glad you found the info useful!
@mommaoinnh2674
Жыл бұрын
If anyone is still watching this, fyi… if you stayed home to take care of kids, you will have 0 for the years you did not work. Bring that up to a lawyer when you divorce. Your retirement will most likely be substantially lower than his. I was home with kids 10 years, so had to use college summer earnings as part of my calculations. Not great!!!
@Dolphinfinancialgroupfl
Жыл бұрын
The top 35 years are part of the calculations. You are correct, a zero could be one of those 35.
@mommaoinnh2674
Жыл бұрын
@@Dolphinfinancialgroupfl ya, so if a gal retires at 62 and spent 10 years home with babies, her SS is now based on a few high school or college years. A divorce should give her more assets to compensate.
@gustavovega9921
11 ай бұрын
Thank you so much for such great info, I will keep you in mind and will definitely tell my daughter. She is fifty and divorced makes no sense for her to get re-married to another looser and loose your SS benefits. You got think. Today peoples married dont last very long
@marianmartinez5730
2 жыл бұрын
Thank you!
@D2228D
Жыл бұрын
I was married for 15 years we both were eligible he did make good money and I only got an extra $15 so to me it really wasn’t worth it unless somebody made a mistake
@Dolphinfinancialgroupfl
Жыл бұрын
$15 is better than nothing, but It also sounds like you'd qualify for a Survivor Benefit that is much higher than your own if your ex-spouse predeceases you.
@kylielogan8771
3 жыл бұрын
I’m on ss disability and long term disability which runs out at 65yrs age. So I would get 50% of exes ss calculated through till date of recorded signed divorce decree but if he dies I get 100% of his retirement up through date of divorce. I figure i have to stay on my social security until he dies and make extra income some way to make up difference.
@Dolphinfinancialgroupfl
3 жыл бұрын
This is why it is important to keep tabs on ex-spouses. You may qualify for Survivor Benefits when the ex passes away: kzitem.info/news/bejne/kWh3l3yfiGRyZYo
@victoriastafford7834
2 жыл бұрын
How long do you have to be married before you can draw social security off your deceased ex husband
@ritamulloy3522
2 жыл бұрын
I was married for 14 years. My ex worked for the county during that time which had a pension which as part of the divorce I waived my percentage as part of the sale of our house settlement at the time. When I turned 65 I looked into getting half of his soc sec and was told he didn’t get soc sec as part of his pension agreement. Have you ever heard of such a thing? Why would a pension collected from the county block soc sec?
@Dolphinfinancialgroupfl
2 жыл бұрын
Yes. There are many state and local government employees that are covered by a pension rather than Social Security. The local government is putting money toward the pension, NOT into Social Security.
@ritamulloy3522
2 жыл бұрын
@@Dolphinfinancialgroupfl thanks!
@laurieann5312
Жыл бұрын
@@Dolphinfinancialgroupfl Yes, and then we get screwed (because of WEP) and get our SS reduced (I have heard they reduce by 1/3) because we get State/County/City Pension. Even when it was not concurrent when paying into Pension.
@yuna8388
4 ай бұрын
I have 18 years marriage to my first husband where I was a stay home and no SS contribution, divorced and remarried,become a widow.I got widow's benefits now and learned he collected before his fra so it's very low less my part B medicare.Could I collect spouse retirement benefits from my ex?
@YearoftheWoodDRAGON
6 ай бұрын
Thank You!
@eb1266
Жыл бұрын
I'm having trouble listening To this vedio because the volume on the guest speaker is louder than the other.
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@jolenedoty9815
2 жыл бұрын
You just answered the question
@jeanettebonf631
8 ай бұрын
Thank you
@Dolphinfinancialgroupfl
6 ай бұрын
We are glad you gained something from our video.
@Deanna_32
2 жыл бұрын
Can't hardly hear the guy on the left so I turn it up, only to have the guy on the right so loud I have to turn it down!!!
@Dolphinfinancialgroupfl
2 жыл бұрын
Sorry about that. This was one of our earliest videos when we were still trying to work out the kinks!
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@EllenT1018-r8b
2 жыл бұрын
I was married 44 years but didn’t live together for 42 years. I got a divorce but remarried a much younger man. Now I’m screwed because I got remarried.
@Dolphinfinancialgroupfl
2 жыл бұрын
Unless you got married after age 60.
@maggiemmoore
Жыл бұрын
@@Dolphinfinancialgroupfl 😊 Surely she is. Good thing she reached out.
@jolenedoty9815
2 жыл бұрын
My husband ex wife is claiming his ss and she took it early. But here is the thing she the ex wife did remarried for a short time and I’m guessing she got a divorced
@joytyacke-edberg3127
2 жыл бұрын
Hello. So nice to have found you. And WOW. I HAVE LEARNED ALOT ALLREADY! Thank you I have a son 35 yrs old with disability and collects SSI , & SSRD Question- is able to collect anything on his fathers SS. When the time comes ? Thank you for your help !
@Dolphinfinancialgroupfl
2 жыл бұрын
Glad you are benefiting from these podcasts. If your child was disabled before 22, perhaps there will be an increase based on a parent. More here: www.ssa.gov/people/parents/
@user-kb5tp6to7d
10 ай бұрын
What happens if the person I remarried don't have papers social security
@middleagednmarvelous
2 жыл бұрын
Thank you so much! I'm 71 getting divorce . This will help me so much
@Dolphinfinancialgroupfl
2 жыл бұрын
You're welcome! Feel free to ask us questions in the future: www.dolphinfinancialgroup.com/contact-us.php
@AlldrinksonmegasonE
Жыл бұрын
The divorce degree, excuse me if I'm saying it wrong. That normally has both spouses social security number on it
@janet529
Ай бұрын
My ex-husband is deceased. At the time of divorce I signed away his social security. We were married 12 years. Is it possible recto try to change this.
@Dolphinfinancialgroupfl
Ай бұрын
If you are entitled to Social Security based on an ex-spouse, then you will receive those benefits. A divorce decree doesn't stop the SSA from paying you.
@laurieann5312
Жыл бұрын
Please clarify, if married less than 10yrs..but lived together 5yrs prior (+10yrs total). I haven't remarried & ex-spouse died. We were in CA, which is common law state.
@Dolphinfinancialgroupfl
Жыл бұрын
The SSA does recognize common law marriage as it relates to Social Security. You would have to discuss your situation with SSA. www.ssa.gov/OP_Home/handbook/handbook.17/handbook-1717.html
@laurieann5312
Жыл бұрын
@@Dolphinfinancialgroupfl Thank You!!
@rubydaniels4719
11 ай бұрын
We divorced in 1998 1 was 49 years old. I became disabled in 2002. Could I have gotten disability on my x husbands social security?
@Savannah-ed4rv
Жыл бұрын
What happens if someone was married for 10 years, remarried for a short time and divorced again before the age of 60 then claimed on their own benefit at age 62. My friend was told that she could not claim on her first husband's benefit but I think she was misled and should have been able to file to get half of his at least until her full retirement age. Now she's almost 75 and she's impoverished because her benefit only gives her a little over $1,000 a month she has no savings. I don't know if her husband's made more than half of what she's getting though and she refuses to ask Social Security about the situation again.
@Dolphinfinancialgroupfl
Жыл бұрын
She may be eligible for a spousal step-up in benefits based on her ex-spouse's age and benefit. It's worth a call to SSA. Also, if her ex passes, she could get a Survivor Benefit if his benefit is higher.
@janereinhardt4715
2 жыл бұрын
Re: the statement that I receive in the mail every year or 2: it shows my projected monthly amount. Does this amount take into account my over 10 year marriage? Does the SSA even know that I was married? It seems to be taking only my earnings into account when determining my monthly benefit because the statement only shows my earnings every year, not my ex husband's. Not that it matters, but I have no idea whether he is dead or alive, but probably alive. I told my lawyer when I filed after my husband left me after our 9th anniversary to not let it finalize until after our 10th anniversary. This was about 22 years ago.
@Dolphinfinancialgroupfl
2 жыл бұрын
Your statement only shows your record and your benefits.
@mommaoinnh2674
2 жыл бұрын
You seem to assume there is a windfall coming to you. Nope. Most likely, 100% of your own will be much more than 1/2 of his. You can go to your local SS office with his SS number to see what amounts you are eligible for. My ex made a lot, like 400k/ yr. I was a teacher. My 100% was much better than 50% of his. And at 62, you get even less than his 50%.
@robinlooney5440
Жыл бұрын
@@mommaoinnh2674 you'll get 100% of his benefits if you were married for 10 years or more when he passes. Providing you are at your full retirement age.
@mommaoinnh2674
Жыл бұрын
@@robinlooney5440 He is 67, & still working, making big bucks because he has a 16 yr old. I’m almost 67 & retired, getting my 100% SS from teacher salary instead of his 50% of the max amount. I don’t want to wish anyone any ill will, however - - if he were to leave this planet, I’d be a happier person! We were married 18 years. His current wife is at 18 years with him too. Would she get his 100%, or would I? She is a lawyer, working still, making big bucks. I have no regrets retiring when I could, getting a pension and SS.
@mommaoinnh2674
Жыл бұрын
So Jane let us know…. Did you go to the SS office to find out? They will know if he is dead or alive. They can find him. Your yearly statement is only your numbers and won’t show you the option of half his.
@JacquelineYLogan
3 жыл бұрын
Is That Still Applicable If It's SS Disabilty Too? 🌹
@Dolphinfinancialgroupfl
2 жыл бұрын
You can get benefits based off an ex-spouse if they were on SS Disability
@foreveryours7464
Жыл бұрын
@@Dolphinfinancialgroupfl Sir. I have another question for you if you don’t mind answering it. Question: my ex-deceased husband got married on 02/29/1992. We separated on 02/05/2000. We were married eight years 1 Months. The marital status ended on January 02, 2003. Which took it took three years to complete. Will I still receive survivor's benefits since it took three years to be finalized? I hope I’m making sense again, lol. I have a telephone appointment this month with the social security department. I'm 72, and if im eligible, will I get his total amount
@Dolphinfinancialgroupfl
Жыл бұрын
SSA will request a copy of your marriage certificate and divorce decree. If there is 10 consecutive years between those two, then you should be entitled to Survivor Benefits. How much of the Survivor Benefit you get will depend on your age when you claim.
@foreveryours7464
Жыл бұрын
@@Dolphinfinancialgroupfl Thank you again for taking out the time to answer all of our redundant Questions you have a lot of patience with us, and if I could, I would take you out for lunch. I will let you know the outcome of everything after I’m approved or not approved. I think it would be nice and out of respect to let you know because you have been very patient with all of us. Have a great rest of your week, sir, and thank you again.
@Dolphinfinancialgroupfl
Жыл бұрын
@@foreveryours7464 You are welcome! Please keep us posted on your journey! g.page/dolphinfinancial?share
@edhettwer7920
11 ай бұрын
I appreciate your help, but the audio of you 2 is of different volumes.
@Dolphinfinancialgroupfl
11 ай бұрын
We are going to redo this video to improve the audio quality.
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@brendawilliamson4596
10 ай бұрын
Is there any way I could draw
@lauraponce4824
5 ай бұрын
What if u separated in 2003, but you’ve never gotten a divorce can you claim it?
@Dolphinfinancialgroupfl
4 ай бұрын
If you are technically still married, perhaps you qualify for a Spousal Benefit.
@JacquelineYLogan
3 жыл бұрын
Good 🌹
@ruthmacatangay2424
Жыл бұрын
Divorced after 25 years of marriage remarried at 58 and a widow now at 69 . Can I claim from my ex spouse who gets a lot than my own ?
@Dolphinfinancialgroupfl
Жыл бұрын
It depends on your situation details. Are you currently claiming? Is your ex-spouse deceased? What is your own benefit and your Survivor Benefit based on your second spouse? You'll need to contact us to run a SS Report: www.dolphinfinancialgroup.com/contact-us.php
@Nakaiidine19-eC.aA.dC98
5 ай бұрын
i took my retirement at 63, will I still be able to take half of his retirement or will I be penalized for retiring early and not be able to collect on half of his retirement
@Dolphinfinancialgroupfl
4 ай бұрын
By "retirement," do you mean Social Security? If you took Social Security at 63, you are locked in to a reduced benefit, including a Spousal Benefit. You can contact the SSA to see if you are eligible for a spousal "step-up" on your current benefits.
@ritah.6752
11 ай бұрын
Thank you for this video. It helps make sense of some of the retirement rules. My situation is a bit different than most who are at retirement age. I was married for 16 years to my ex-spouse and have been on disability since 2002. Because I was a stay-at-home mom, my work record is limited. Can I apply for the ex-spouse benefit now? I am sure it would be more than what I currently receive. I will be 64 in December, and he is 65 in October.
@Dolphinfinancialgroupfl
11 ай бұрын
You may be able to get an increase based on your ex-spouse, assuming you have not remarried. You'll need to contact SSA and ask for a determination.
@thelldahthick9438
2 жыл бұрын
So, since I was eligible from the day my EX turning 62, April 10, 2020, (as I am Disabled and over 50, and was divorced over 2 years), shouldn't Social Security GO BACK TO THAT DATE AND MAKE THE PAY RETROACTIVE SINCE THE AGENT LIED TO ME?
@Dolphinfinancialgroupfl
2 жыл бұрын
It seems that Social Security allows for retroactive benefits only if you are past your full retirement age. You'll have to work directly with Social Security to resolve your issue if you are past your full retirement age.
@bigkahuna3085
3 жыл бұрын
What if the spouse that would get spousal benefits was a civil servant and never met the SS requirments to recieve benifits? They did pay in a little just not enough.
@Dolphinfinancialgroupfl
3 жыл бұрын
If you have not worked or do not have enough Social Security credits to qualify for your own Social Security benefits, you may be able to receive spouse’s benefits. However, you may be impacted by the Government Pension Offset (GPO). www.ssa.gov/policy/docs/program-explainers/government-pension-offset.html
@daveforgot127
Жыл бұрын
This is confusing. So you get your own benefits plus in effect a booster. So my I apply at 62 and my benefit is $1,100. my spouse gets at Full Retirment $2500*33% (since I applied early) = $825. I would take my $1100 +825 = $1925 for my benefit? is the the right way to calculate generally.
@Dolphinfinancialgroupfl
Жыл бұрын
No. You get your own benefit and, if the spousal benefit is higher than your own, you get an increase up to the spousal benefit. You basically get your own OR half of your spouse's.
@011219551
2 жыл бұрын
Looks like I'm screwed, I was married 11 years to my 1st husband, married 2 more times, divorced both of them. now, my 1st husband died, now I have an appt. at 1:00 pm today to see if I can claim on my 1st husband. He died in 1992, I'm 67 now. Have disability, was really praying I could claim on my 1st husband, since I'm single again. Thanks for the info.!!
@Dolphinfinancialgroupfl
2 жыл бұрын
You seem to qualify for Survivor Benefits. Let us know what SSA says.
@petralujan8519
Жыл бұрын
Will I get my deceased husband SS ,even if I get my TRS pension?
@cutmalahayati7633
Жыл бұрын
I have been getting mails from SS office because my early retirement is next year, but my benefits is pretty small because I was only working part time when I married my ex. Who would decide if I should get my own early retirement or my ex retirement? My ex should be 66 next year and we were married for over 10 years. Btw, I have all of the information about him. Thank you
@Dolphinfinancialgroupfl
Жыл бұрын
You would contact the SSA and ask what your Spousal Benefit would be. They determine the numbers.
@suemahoney7330
8 ай бұрын
I'm divorced after being married for 10 years. I'm trying to figure out a way to tell what benefits I might get from my ex spouce. On the SS site, it seems I can only apply for the benefit, but can't see what amount I might receive. Do you know a way to tell if I have all the documentation?
@Dolphinfinancialgroupfl
8 ай бұрын
Besides communicating with an ex-spouse and doing some rough calculations, you will have to contact SSA. For either a spousal benefit or a survivor benefit based on an ex-spouse, the SSA is the only place you can get your answer. Give them a call.
@michelerok4252
Жыл бұрын
Does my ex spouse have to be at least 62 before I can file ss divorce? I am older than ex by 18 months so he won’t be 62 when I become 62.
@Dolphinfinancialgroupfl
Жыл бұрын
Your ex-spouse needs to be entitled to collect Social Security retirement or disability benefits. So if not on disability, your ex must be 62.
@Dolphinfinancialgroupfl
Жыл бұрын
This is a good question that trips many.
@michelerok4252
Жыл бұрын
@@Dolphinfinancialgroupfl tysvm!
@user-xx1dw3ut6k
Жыл бұрын
Ex makes more in years to come my 1/2 increases?
@Dolphinfinancialgroupfl
Жыл бұрын
A spousal benefit is based on the full retirement age benefit of the spouse. As that grows, so grows the 50% spousal benefit.
@judyd.3421
Жыл бұрын
Hi there, What about your x's spouse? What rights do they have?
@Dolphinfinancialgroupfl
Жыл бұрын
An ex-spouse can make social security decisions that do not impact the ex-spouse or that ex-spouse's current spouse.
@sissy2011100
2 жыл бұрын
what about if your ex-spouse has been married twice. the first wife gets SS and 2nd wife gets SS?
@Dolphinfinancialgroupfl
2 жыл бұрын
Yes. Both can get benefits if eligible.
@charlespierce8419
Жыл бұрын
What if they re marry ?
@Dolphinfinancialgroupfl
Жыл бұрын
If your ex remarries, it does not impact your capacity or qualifications to claim against their record.
@donnalmich8398
Жыл бұрын
My Ex “waited” until now, to get his social security , he is AGE 70! I filed when I was 62,(with a penalty of 30% less), for taking it early! I am going to file for the 50% of his soc sec, so will they use his CURRENT AMOUNT? Or the amount his soc sec would have been at his full retirement age (66)? Thank you
@Dolphinfinancialgroupfl
Жыл бұрын
This is a common question. Spousal benefits do not include Delayed Retirement Credits (DRCs). In your case, the spousal benefit would be based on his Full Retirement Age benefit (and your age). That said, Survivor Benefits use a different formula and include DRCs. So you'd get the full amount if you qualified for Survivor Benefits if your ex-spouse died.
@terrybutler3683
Жыл бұрын
What if you remarry and get divorce could you get funds from the first spouse
@Dolphinfinancialgroupfl
Жыл бұрын
You would not lose your Social Security connection to the first spouse if you remarry and divorce again.
@loribailey1782
Жыл бұрын
What about military ex spouse? Will I be able to claim?
@Dolphinfinancialgroupfl
Жыл бұрын
You can claim against a military ex-spouse. The benefits will depend on the amount put into the system by your ex. You'll have to contact SSA to determine benefits.
@ginaburdette7947
2 жыл бұрын
What if you start drawing on your ex and then decide to remarry
@Dolphinfinancialgroupfl
2 жыл бұрын
Remarriage after age 60 doesn't impact your benefits from an ex-spouse, alive or deceased. You might even get a higher amount based on your new spouse.
@sandypeppers6861
2 жыл бұрын
If the ex-spouse is on other government programs- section 8 housing, Medicaid, are they still able to draw on an exes SS?
@Dolphinfinancialgroupfl
2 жыл бұрын
If you are divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record.
@whitechocolate4986
2 жыл бұрын
R they going to be reforming ssdi,,ssi,,,to remove marriage penatly,,,this is hurting us allll
@Dolphinfinancialgroupfl
2 жыл бұрын
There are a lot of Social Security reform options being discussed in Congress. Whether or not they get passed is anyone's guess.
@Thurmonr
2 жыл бұрын
My ex is a teacher in Texas with a TRS benefit payment substantially higher than my SS benefit. Can she still clam against my SS?
@Dolphinfinancialgroupfl
2 жыл бұрын
Maybe. She might get her own benefit or spousal benefits from you. However, she may also have to deal with a Government Pension Offset (GPO) calculation and reduction.
@Jewel5912
Жыл бұрын
My ex will be 62 next year. I can draw on his SS then? Will it be half the “reduced” amount? I am older..already over 66, so wondering if I could just get half then?
@Dolphinfinancialgroupfl
Жыл бұрын
Once your ex-spouse is eligible for benefits, you could qualify for a spousal benefit. You have to have been divorced for at least two years (unless your ex claims at 62). The amount you'll received will be 50% of the ex spouse's full retirement age benefit...reduced if you claim before your full retirement age. You should contact the SSA next year to see if this will lead to an increase in your benefits. Remember, you get either your own benefit or a spousal benefit if it is higher. You don't get both totaled together.
@annetteforbes1957
2 жыл бұрын
What if you were married twice to 2 different men, both marriages lasted over 10 years. Can I claim S.S on both?
@Dolphinfinancialgroupfl
2 жыл бұрын
Either or, not both. You can claim on your own or base it on either ex-spouse if that makes financial sense. Only one benefit per person.
@pandita3410
2 жыл бұрын
What if you get remarried and divorced again? Can I apply for my ex who has the highest benefit or just the last ex’s benefits if married for at least ten years?
@Dolphinfinancialgroupfl
2 жыл бұрын
You can choose between all eligible ex-spouse options. We did a show on remarriage: kzitem.info/news/bejne/l6WNzKJusJunoKA
@lindablue5504
2 жыл бұрын
We were married for 11 years. My ex-husband never helped me after the divorce. He is older than I am and is over 62, Can he still take my social security? Will it affect the amount when I apply?
@Dolphinfinancialgroupfl
2 жыл бұрын
An ex-spouse may qualify to receive spousal benefits based on your record. It won't impact the amount you get.
@JacquelineYLogan
3 жыл бұрын
But That Is Only If Your At Retirement Age Right But What If Your On Diability and Your Not At Retirement Age 🌹
@Dolphinfinancialgroupfl
3 жыл бұрын
Social Security Disability is different and the same reduction rules to regular Social Security based on age don't apply.
@kpeperhi7263
2 жыл бұрын
I have been divorced for ever !! Approximately over 30 years. I am on SSI but I don’t draw fromhim . After all these years can I get part of his SSI???
@DC10418
3 жыл бұрын
Married for 23 years, divorced in 2005. Still working and not filing for SS until full retirement age at 66.5 years in 2024. Ex-spouse remarried in 2008, divorced one year later in 2009. He is currently 75 and unmarried. Is he eligible for my social security benefit?
@Dolphinfinancialgroupfl
3 жыл бұрын
Your ex-spouse is either already collecting his own benefit or half of yours if higher. Since you're eligible to collect on your own, he could use your record if it makes financial sense. But it won't impact your own benefit.
@kpeperhi7263
2 жыл бұрын
Can I get my X husbands SSI?? I have been divorced over 40 years. He made more money than me!!
@janicewhouston
2 жыл бұрын
If I’m drawing ssdi, and my husband is 67 and drawing social security, am I entitled to draw off him as well?
@Dolphinfinancialgroupfl
2 жыл бұрын
You can apply for a combination of benefits, but you still only get one benefit at a time. You should contact Social Security to see if your benefit would increase based on your spousal benefit.
@curtistineshelby5933
2 жыл бұрын
What about SSI can u get that from yo spouse as well
@Dolphinfinancialgroupfl
2 жыл бұрын
The SSI Program is separate and not funded by Social Security taxes. We don't have expertise in that area. www.ssa.gov/ssi/
@janievasquez3562
2 жыл бұрын
How can I find out if he retires at 62,
@Dolphinfinancialgroupfl
2 жыл бұрын
You can contact SS directly to find out information about your benefits based on an ex-spouse.
@janievasquez3562
2 жыл бұрын
So if your married for 2 or 3 years and he dies can you get his ss being his widow
@Dolphinfinancialgroupfl
2 жыл бұрын
If you were married to him at the time of death you may get a Survivor Benefit when you qualify. More on Survivor Benefits here: kzitem.info/news/bejne/kWh3l3yfiGRyZYo
@joanneadwards3277
Жыл бұрын
Can You Get There if they’re still living?
@Dolphinfinancialgroupfl
Жыл бұрын
You can claim a spousal benefit based on a living ex-spouse. Certain rules apply.
@bettymarrone7386
Жыл бұрын
Can I claim ss from both my ex spouses?
@Dolphinfinancialgroupfl
Жыл бұрын
You can only claim one social security benefit at a time. With two qualifying ex-spouses, you could choose which has the higher financial impact for you.
@mpierre235
2 жыл бұрын
If my ex spouse eligible for social benefit and have a minor child is that child eligible for his father's social security benefit
@Dolphinfinancialgroupfl
2 жыл бұрын
It seems like the child would be eligible for benefits in this case. Here is a tool to help you determine eligibility: ssabest.benefits.gov/benefit-finder/
@mmmotives7452
2 жыл бұрын
What if your spouse is a foreign national!
@Dolphinfinancialgroupfl
2 жыл бұрын
If your foreign national spouse is entitled to Social Security then you may be entitled to a Spousal Benefit.
@angelainsaurralde8283
3 жыл бұрын
Can you collect from your dead ex-spouse if you divorced after more than 10 years but remarried to someone else and divorced again from second spouse??? Also, I have my own social security plus I am entitled to State pension so I assume I will be in that Windfall scenario??? Unsure if I can get half of my first ex-spouse???
@Dolphinfinancialgroupfl
3 жыл бұрын
If you are claiming your own SS, then you should already have worked out the Government Pension Offset. As for claiming against your deceased ex-spouse, it sounds like you should be able to switch to Survivor Benefits if that makes financial sense as you are currently no longer married. Our next podcast addresses Survivor Benefits: kzitem.info/news/bejne/kWh3l3yfiGRyZYo
@foreveryours7464
Жыл бұрын
@@Dolphinfinancialgroupfl I asked you a question a few weeks ago if I could get my ex deceased husband social security and you said I could, I got in touch with SS and the answer was yes like you said. Now my next question: what is the difference between retirement and Social Security. Would I be entitled to both? Thank you in advance for your answer. I hope I’m making sense again.
@Dolphinfinancialgroupfl
Жыл бұрын
@@foreveryours7464 many people interchange the word retirement and social security. Retirement is different. Retirement would be a pension or other benefits from an employer, separate from Social Security.
@jenniferbrown7179
2 жыл бұрын
At 62 would I be able to get Medicare?
@Dolphinfinancialgroupfl
2 жыл бұрын
Most people qualify for Medicare at 65. However, some people qualify early due to disability.
@deborahfoltyn5510
2 жыл бұрын
If you are 50 and disabled, and ex is 61- do you wait a yr ? Are you gonna have 50% of ex when turns 62? And you are claiming disability.
@Dolphinfinancialgroupfl
2 жыл бұрын
If you are claiming disability, you may get an increase if your benefit is less than half of your ex-spouse's. To claim against an ex, they must be entitled to SS, which is usually at 62. It's worth a call to SS.
@luvlyleo2836
2 жыл бұрын
I tried to tell my ex not to get remarried. Now he wants half my benefits and VA benefits 😉
@livelife8739
Жыл бұрын
So am I hearing this correctly, If I was married for more than ten years, we divorced and she remarried, she's not entitled to my Social Security?
@FlyFishingRealtor
Жыл бұрын
What if your ex-husband is two years younger and dies, Can I still collect at 60 if he would only be 58 if he were alive?
@Dolphinfinancialgroupfl
Жыл бұрын
As long as you qualify for Survivor Benefits, it is your age that matters, not the age of the deceased.
@Dolphinfinancialgroupfl
Жыл бұрын
However, you should conisder your own benefit at 62 versus Survivor Benefits at 60 followed by a switch. This is an important decision.
@FlyFishingRealtor
Жыл бұрын
@@Dolphinfinancialgroupfl my benefit will be much higher. I was hoping to take the survivor benefit until age 70 then switch.
@Dolphinfinancialgroupfl
Жыл бұрын
@@FlyFishingRealtor sounds like a reasonable plan!
@wendyjeanb1793
2 жыл бұрын
How much of a reduction (%) should I anticipate when I draw off my ex husbands ss? I am just turning 61 and will need to draw early at 62. No way I can wait until I’m 67 to get the whole 50 percent. It will be his record only since I was a stay at home mom for 35 years. Been divorced 7 months, if that makes a difference. He will be taking his benefit very soon it seems at 66 yrs…but his FRA is 66 and 6 months. Just trying to get my ducks in a row. Thanks!
@Dolphinfinancialgroupfl
2 жыл бұрын
Looks like you'd get about a 32% reduction of the 50% spousal benefit: www.ssa.gov/oact/quickcalc/earlyretire.html
@wendyjeanb1793
2 жыл бұрын
@@Dolphinfinancialgroupfl it looks like it would be 35% reduction instead of 32%. But I do like the 32% better 🙏 Thanks!
@amypiddington6833
2 жыл бұрын
What if your ex spouse was married previously and both of his ex wives were married to him more than 10 years? Are both ex wives eligible to claim 50%?
@MrFloydSaunders
2 жыл бұрын
Yes. I have two ex spouses. As long as they remain single.
@Dolphinfinancialgroupfl
2 жыл бұрын
You can have multiple people claiming Social Security based on your own record. If it makes financial sense, both ex-spouses could claim against his record in this instance.
@TeresaMunoz-cg3he
Жыл бұрын
@@Dolphinfinancialgroupfl, but then you have to be married 10 years each?
@Dolphinfinancialgroupfl
Жыл бұрын
@@TeresaMunoz-cg3he yes, the 10 year rule applies to divorced spouses.
@beverlyhall6329
Жыл бұрын
Can I get remarried If I'm 62 and drawing my exs social security? Will it mess with my social security check that I get from my ex?my ex is still living
@Dolphinfinancialgroupfl
Жыл бұрын
It may impact your benefit. Your spousal benefit will be tied to your new current spouse, which may be lower than your benefits based on your ex-spouse. Your benefits from your new spouse may be higher or zero, depending on their age and benefits. However, you do retain access to the SURVIVOR benefits from your ex-spouse should they pass away and are higher than your other options.
@bonnessacoy8990
7 ай бұрын
Are survivor benefits means tested? I was married to my ex spouse for 15 years. We divorced in 2005. I never remarried. He passed away in May of 2023. He was 62 and had not filed for benefits. (He was born in 1960.) I can draw his at 60, but what if I decide to continue working full time? He never helped me after the divorce to raise our daughters and the courts let him skip right by.
@bonnessacoy8990
7 ай бұрын
For reference I was born in 1967 and my FRA is 67.
@bonimessner6360
2 жыл бұрын
Does one have to be 62 AND Divorced to apply for exspouse's.
@bonimessner6360
2 жыл бұрын
One spouse disabled before 62 and ex spouse 62.
@Dolphinfinancialgroupfl
2 жыл бұрын
There are several rules here. Too many to go through. But remember that claiming a spousal benefit means you are claiming your own benefit and increasing it if the spousal benefit is higher. Here is a detailed list of rules:www.ssa.gov/benefits/retirement/planner/applying7.html
@EllenT1018-r8b
2 жыл бұрын
Do you get more at 66 then 65 even though your not working??
@Dolphinfinancialgroupfl
2 жыл бұрын
Yes. Your benefit increases each month you delay until age 70.
@ghanshyambhaipatel625
Жыл бұрын
I don’t know how they give the social security the same amount to them weather they paid the tax or have not paid the tax? Why USG make the citizens to every body even they didn’t paid the tax and they get the same benefits like the tax payers? Is there any difference between the tax payers and who have never paid the tax? If it is then don’t you think that USG emphasizes them? I don’t know in which direction are we going Also the Green card holders mani of them they they don’t want to work because without working without paying any tax to USG they are getting all kind of benefits like they get the Adult day care free meals free medicine no doctors fee special home care nurse 50 percent fair discount special rides more over full Food stamps which the tax payers don’t get Also they get Cash then why they work If without paying any tax without working all kind of benefits they get Will UGS ? No comments thanks
@medaily57
2 жыл бұрын
I worked for the treasury department, retired at 60 and received the SSI payment to 62. At 62 I started receiving Social Security from my exes account, we had been divorced for over 10 years. I am 64 now and my full retirement age is 66 and 6 months(or 5?). My question is can I still collect from my exes benefits after my full retirement age? One more question, how does Medicare play into this?
@Dolphinfinancialgroupfl
2 жыл бұрын
Your benefits based on an ex won't change besides COLAs. However, if you ex dies, you may be able to switch to Survivor Benefits. Medicare starts at 65 for most people and your Social Security isn't impacted by Medicare besides payments being deducted from your SS.
@medaily57
2 жыл бұрын
@@Dolphinfinancialgroupflthank you. So basically, I should review at my full retirement age in case payment from my account would be greater. I should also keep an eye out for his death notice so I can switch to survivor benefits. Does that sound right? Do you have videos on Medicare?
@Dolphinfinancialgroupfl
2 жыл бұрын
@@medaily57 Your current benefit is your own, or 50% of your ex-spouses. The SS Office runs that calculation for you and gives you the higher amount. It seems like you won't be switching unless your ex-spouse dies and you switch from Spousal Benefits to Survivor Benefits. But, you should contact SS just to be sure about this. Regarding Medicare - you will find some useful Medicare videos in this Health Insurance playlist: kzitem.info/door/PLOVSZj3M-4SKiAQE_AlTO4aW85H4-ySFl
@medaily57
2 жыл бұрын
@@Dolphinfinancialgroupfl thank you again for your help! Have a blessed day!
@phyllisprohaska4583
2 жыл бұрын
What if you have more than 1 x spouse?
@Dolphinfinancialgroupfl
2 жыл бұрын
You can claim against whichever one makes the most financial sense.
@joankirkham419
2 жыл бұрын
If you marry again after age 60 can you go back and draw off your ex-spoise!
@Dolphinfinancialgroupfl
2 жыл бұрын
Getting married after age 60 does not eliminate access to spousal options from previous marriages.
@saramcluckie7451
Жыл бұрын
How do I contact you for the social security planner. I need the phone number. Thank you.
@Dolphinfinancialgroupfl
Жыл бұрын
www.dolphinfinancialgroup.com/contact-us.php
@dirgesinthedark5637
Жыл бұрын
Nothing worse than sound levels geez annoying
@Dolphinfinancialgroupfl
Жыл бұрын
Indeed. This video has poor quality and we are planning to remake it soon. Thanks for your patience.
@Dolphinfinancialgroupfl
11 ай бұрын
Revised video with better audio quality: kzitem.info/news/bejne/qoRnyouOmHOkl4o
@kylielogan8771
3 жыл бұрын
You can get married after 50 years age if your on disability.
@Dolphinfinancialgroupfl
3 жыл бұрын
Yes - Social Security Disability has different rules to be aware of. It's on the list of future show topics!
@thelldahthick9438
2 жыл бұрын
Where's this show topic???
@worldchanges10
2 жыл бұрын
This host has no change to talk
@raymccarty4612
Жыл бұрын
Not giving any information. They have to ork for it, lol.
@011219551
2 жыл бұрын
Okay, you just said that a lady lived with her parents, married to her 1st husband 10 years, then remarried, then she filed back on her 1st husband. So she was remarried, how does that work. kinda sounds like me. Please let me know. I can't use my SS because I didn't work long enough, raising kids. This really sounds more like my case. Thanks so very much for the info!!!!
@Dolphinfinancialgroupfl
2 жыл бұрын
You can claim against an ex-spouse if your current marriage started after age 60.
Пікірлер: 217