Just a word of caution - always, always get the name of the person you speak to at the SS office. I went when I was 60 to draw on my dead husband's account - the woman told me we weren't married long enough - so I waited to 62 to retire. I told the woman helping me that I tried drawing on my husband's benefits when I was 60 and was told I couldn't. She said the person who told me that was WRONG and that if I had the name of that person, I could be paid all of those back benefits! Unfortunately, I did not have her name. So always, always get a full name, date and time you speak with someone.
@rogerbrown907
5 жыл бұрын
I do not believe that is correct,there is a time limit on military pensions of spouse. In order to receive those you must be married at a minimum Of at least 10 or half of spouse military time. According to DAFAS.
@NC_SUGAR
5 жыл бұрын
Getting the person's name you spoke with is always a good thing, however, it's still your word against theirs and unless you also recorded the conversation, you have no proof they told you that. And if asked, they would say, I never said that. He/she misunderstood what I was saying apparently.
@Michelle-nr1bm
5 жыл бұрын
they lie to people about what they qualify for
@inspire734
4 жыл бұрын
@@rogerbrown907 My so called Ex whom I am still married to as he has a noterized document not a divorce decree, He was in the military and retired. He stole my part of his pension all these years over 20. I am now 62 and he turns 62 in April. I can go after his SS, but I need an attorney to get half of his military pension that I am still entitled to if they find me still married to him in a court of law. I was married before the noterized document 13 years. I believe he is a bigamist 3 times over as well.
@inspire734
4 жыл бұрын
@@NC_SUGAR Take 2 other people with you to listen to it and take notes of what is said. The window and the time and the date. They will have a record of who worked then. You should be able to get part of a name. Take an attorney with you. That would work even better.
@araslintakas6810
Жыл бұрын
I have been looking for this information for about a year now, and could not find it anywhere. Thank you so much for this. And I have bookmarked it, so I can come back and watch it again. This is not something I do often, so that is a great compliment.
@Julie-rz4eh
Жыл бұрын
Yep, same, you can't find this info, even if you call ss.
@316bonnie1
5 жыл бұрын
WOW! Have to play this again in the last 3 minutes of it within the 36-month window still not sinking in appreciate you
@ToniB5758
5 жыл бұрын
That is a great explanation. I did not realize the spousal benefit would be reduced by the spouse retiring before FRA. Thank you for the video!
@DaveM-FFB
3 жыл бұрын
Extremely informative presentation on spousal SS benefits. Probably the best presentation that I've seen. I'm now a subscriber.
@ak49mitchell
3 жыл бұрын
This is THE BEST explanation on spousal benefits (altho I was slow to understand 5:58-6:17, even after listening several times, an example would've helped). You're a rock star of SS understanding. Many Thanks ~
@suzanne9128
2 жыл бұрын
Very informative but was hoping you would explain more about how it works for divorced spouses---especially ones that are older than their ex-spouses.
@mikekas5453
5 жыл бұрын
Good breakdown we thought our benefits were off , after doing the math my wife is getting the right amount . Thanks
@TeufelHund
5 жыл бұрын
Great information as always❗ How does spousal benefits work for SSDI recipient❓ Can you do a video on SSDI and all the nuances of spousal and children benefits when neither party is close to retirement age❓ Thank you❗
@davenone7312
2 жыл бұрын
So sad nobody responded to you!! Spousal benefits do work if the higher earning spouse is on SSDI. If your not close to FRA your deduction would make for no added payment I do believe.
@TeufelHund
2 жыл бұрын
@@davenone7312 Thank you for your reply Sir. My assumption is that once one of my two kids reach 17 and loose my SSDI benefit, then my wife can take my child's place. I believe. I wonder.if that's automatic or it's something I'd have to file for then❓
@davenone7312
2 жыл бұрын
My wife had to apply for her spousal benefits. So I can only imagine you're wife would also.
@roryflemingrichardsonph.d.565
5 жыл бұрын
Posted by Gazelle: B.S. if you think raising a Family isn't a full time plus job, 24/7 365 days a year, no pay, no benefits. Add housework, laundry, cooking, grocery shopping, etc., or working in the family business for no pay, etc. Most women never retire, continue to take care of all the household tasks, and take care of their aging husband who they generally out live. Something to think about?
@TheWilferch
5 жыл бұрын
Good presentation....and thanks also for the time-sensitive warning and how you offer this up in "chunks" for those here who might think 14 mins of Vid is simply too much. Amazing....here is info offered that removes hours-long research and some folks can't stomach 14 mins of vids in a nice, concise summary. A sign of the times it seems, with social media...and a shame for important stuff like this.
@DevinCarroll
5 жыл бұрын
Technology has certainly changed the way we consume and process information. I've found out that if I stray even a little with non-essential information I will see a sharp drop off in retention.
@316bonnie1
5 жыл бұрын
@@DevinCarroll yep, by the third or fourth video I see from you I have to start all over again LOL I know you are highly appreciate it thank you
@wandalanders8700
5 жыл бұрын
@@DevinCarroll I so wish you or someone had been there in the 80"s when my hubby retired..he might have listened to you..as he wouldn't me ,LOL, cut both our checks by retiring at 62..yikes. I wish if you haven't you would tell people that the S S folks are not your friend and not there to advise you...if in doubt check with a lawyer of someone like you before applying. So much to figure out. Thanks and keep up the good work.
@timmyles314
2 жыл бұрын
I'm turning 62 in 2 years an 9 months THANKS FOR THESE VIDEOS !!!!
@Bebold94
Жыл бұрын
Incredibly helpful info, thank you!
@angelahartley3212
5 жыл бұрын
A friend told me about this! My husband is 67, I will be 65 in May 2020. I am currently disabled drawing those benefits. Where do I go to apply for those extra benefits? Can it be done on line? Your explanations are so clear and easy to understand! Thank you so very much!
@ednabowers5016
Жыл бұрын
I was out in disability at age 56 then at 62 they put me on my ss yhen 60 i drawer 35 percent now I’m disabled and 69 can I draw 50 percent now
@TheEvolvingAudioNut
3 жыл бұрын
Devin, Thank-you for this information. You've explained a complex topic while making it easy to understand. I have done some of my own research into SS retirement and thought I knew just about all I needed to know. Wrong answer. As always, the problem with being self-taught is the teacher. Somehow I totally missed the spousal benefit in as much as my wife being able to collect 50% of my benefit once I file; with the various complexities based upon different scenarios. This new knowledge has significantly impacted the calculations guiding my decision of when to collect benefits. Thanks again. You have a new Subscriber. ;-)
@SpDt237
9 ай бұрын
Thanks so much for this very informative video.
@davenone7312
2 жыл бұрын
Following Devins advice here my wifes check went from $228 to $791. We took it a year before she hit her FRA.
@nelsonpquintana3432
2 жыл бұрын
Very interesting. As usual, Mr. Carroll videos are very informative and and eye opener for the hard working people. Devin: I just reached my FRA, Can my wife(62) take spouse benefits and then when she teach 70, switch to her own earnings?
@johnshelley9503
2 жыл бұрын
Best explanation I have seen on this complicated subject.
@DanaD555
3 ай бұрын
Thank you for the info about spousal benefits but in reality not a lot of the SSA workers know about those exceptions. I recently went to the SSA office where I belong and filed for my SSA spousal benefits. I have a hard time convincing the officer I spoke to that the 12 months rule does not apply to me because I was entitled to receive benefits from a former husband. Finally after 45 minutes she filed and set an interview for me on July 12. But...Today I received a phone call from another woman from SSA and she said I would not have any interview because I need to wait 1 year and then apply. There we go again.... I tried to tell her that that rule has few exemptions, and I was qualified for one of them. She has no interest in my suggestions and keeps repeating that she works for a long time and she has no knowledge of those exemptions. I told her that she can't cancel the interview because I will bring her to prove that she is wrong. To do so can you please help me with more info where I can find proof of these exemptions?! A link maybe. Thank you so very much and may God bless you!
@raybands3707
5 жыл бұрын
+Devin Carroll, Thank you for explaining this issue!
@sueharris6616
3 жыл бұрын
You kind sir are so very helpful in this process. Thank you so very much!
@saffronsworld1508
5 жыл бұрын
It's all Greek to me. Clear as mud.
@ericeiser3659
5 жыл бұрын
I wonder if they could make things more confusing
@johnlee8447
5 жыл бұрын
I don’t think so
@eugeneallison7457
5 жыл бұрын
I know right
@shaynad41
4 жыл бұрын
My husband died when I was 55, he got 1, 807.00. In social security, as a disabled depndent shy of getting my own benifits by 5 points , I only had to wait 5 months and get 71 1/2 % of what he got. Disabled dependents get more after the age 0f 50, and if 55 or over get more.
@harrysastry3636
2 жыл бұрын
superb like it very much as you stick to the talk unlike others
@colleen7549
3 жыл бұрын
Devin someone below asked the following yet I too would find it beneficial since I'm on SSI. *Comment: "How does spousal benefits work for SSDI recipient? Can you do a video on SSDI and all the nuances of spousal and children benefits when neither party is close to retirement age?"*
@altriplett9099
5 жыл бұрын
Awesome video! I have several questions I hope you can answer. Since I retired early, on Work comp, and SSD, in the state of Washington, I get hit with taxes on the full amount of my SS money, as my union pensions are over the test limit. I understand upon reaching age 62, SSA will take the offset, lowering my tax liability, as work comp pensions are tax exempt. Does the offset ever go away, at, say 67, as I was born in 1962? What happens to the money SSA sends my adult disabled child upon my reaching 62? My Uncle retired at 65, and his wife passed away around the same time. He is remarrying next month, and will be adopting his fiancee's 9y/o son. what benefits, if any, would either of them be eligible for? They are both coming from the Philippines, btw. thanks again for your channel! It's one of my favorite subscriptions!
@fewtomany5901
5 жыл бұрын
That the government of the Philippines take care of them Why Us.
@mikebourque4043
3 жыл бұрын
So I plan on working until full retirement age. My wife is 64 and I am 63. She is eligible for her own but will definitely go spousal benefits as half of mine well exceeds hers. If she started to collect now at reduced rate of her benefits would she still bump up to 50% of mine when I file at 67 (or later)?
@jordankahele14
5 жыл бұрын
It's always a good thing to watch where are your benefits are going!! When you get more into this, than you be asking the same question we've been asking....Good luck my friend!?
@debbieradford4972
4 жыл бұрын
Good luck to you also. I have spent weeks trying to get my money.
@SantaBarbaraAlberto
5 жыл бұрын
Thank you Devin!!! We had struggled trying to figured this out and had two answers from the Social Security Administration and our CFP. The CFP turned out to be right. For us if she files at 62 and I have already filed, she will received the greater of either her own or mine. She can't file under her own and then refile under my record when she turns FRA of 67. We also spoke to an investor advisor who thought she could do that. We are readers but getting straight answers these days is not as simple as it might seem. Thank you again.
@littleweasel1957ify
3 жыл бұрын
Devin I'd really appreciate some coverage on single person benefit tips!! TY from Concho Arizona:-)
@totosong3187
5 жыл бұрын
Thank you so much for the great video!!! It's very informative and helpful!!!
@DevinCarroll
5 жыл бұрын
So glad it was valuable for you!
@nowhearthis1107
5 жыл бұрын
@@DevinCarroll I am 55yrs old. Bc of disabilities now, I'm unable to work any longer, and seeking SSD. I was married 1993. Separated 2007 but not divorced. Husband is now 65yrs old and still working. Would I be able to receive spousal benefits when he files for his SS benefits? Thank you so much for this video as it has encouraged me to become more informed... I will recommend to others!
@inspire734
4 жыл бұрын
@@nowhearthis1107 You have to be at least 62 to get them. Sorry you got 9 years to go something like that.
@mytree123
5 жыл бұрын
Your right the spouse gets half of what their spouse makes in social security even if spouse was making very very little working while being a homemaker.
@normandgoupil382
4 жыл бұрын
I have a question! I became disabled in 1991 and started collecting disability benefits in 1993, I continued to receive these benefits today!!! Next year I will be 66 years old and was wondering if my benefits will change or if I need to do anything? Do I make a claim for retirement benefits at 66 in two months? I just don't know what to expect and if there's anything I should know??? Please help me to understand if I need to do anything!!! Sincerely, Normand
@geezlepuss7863
5 жыл бұрын
Not complete. U don't cover Higher earning Husband files at 70 when FRA was 65. Lower earning wife is 5 years younger & could file at FRA of 66. Should the lower income wife take 1/2 of higher income husband's benefit & wait until 70 to file for her own benefit (which will be greater than 1/2 of the husband's)? What if you didn't know you could do that? Can it later be fixed?
@stevestrickland7314
5 жыл бұрын
never get an example of my scenario.. my x will be 61 when i reach my FRA.. been divorced for a long time,, great that i can draw spousal benefits without her having to file for hers... she gets about 150$ more in benefits at FRA than i do .. so if i wait til my FRA and file spousal benefits.. based on ur video i would get half of her FRA benefit ? which is less than what i would get on my own account .. her is 1200 as of now... 600 in spouse ,, i get 1050..... so in other words i wouldnt get any added to my benefits... but the big question that never seems to get answered is if i draw spousal benefits in the above sincero.. would my account continue to accrue interest til age 70 ? in other words.. draw on hers even thou my benefit is more than half of hers and still not draw on mine and let it build up til age 70.. or am i screwed either way on the bonus years
@kinerskorner1
3 жыл бұрын
Thank you for your clear explanation of spousal benefit! I have a question! How does the spousal benefit work if my wife is older and she has applied for her SS benefits! I’m not eligible yet! So when I do finally apply will my wife get the spousal benefit after I apply for my SS benefits? Thank you in advance
@Julie-rz4eh
Жыл бұрын
Yes, she will but the amount will be a percentage based on if she filed her own at full retirement and also if you were at full retirement age.
@kinerskorner1
Жыл бұрын
@@Julie-rz4eh Julie my wife did file at FRA and I plan on doing the same
@Julie-rz4eh
Жыл бұрын
@@kinerskorner1 That's good, so I think she will get an additional amount added to her benefit which when added together will equal 50% of your benefit.
@joehall7869
5 жыл бұрын
I spoke to SS yesterday. I am 65 (66 in Sept.). My wife is 68 (69 in July). My wife has been receiving her check since she was 62. We have been banking that money ever since. I want to get my SS at my FRA in Sept. We thought my wife would be able to then receive half my SS when I start taking mine. Per SS she cannot since she started taking hers at 62. We did not know about spousal benefits when she started at 62. My SS is 2424. She now gets 922. If she waited until her FRA she would have gotten 1230. Which would have made her ineligible for half of mine because it would have been more than half. So after we heard about spousal benefits we thought she could still get half of mine. We were wrong. We are not complaining since we saved all her money. No one told us at SS at the time she took hers. If we knew the rules at the time she took hers I don't know if we would have done something different. Please do your homework and know the rules. I just want others to know this.
@jackpotwinner1260
2 жыл бұрын
Unfortunately at the SS they barely know what they are doing it’s best to seek an advisor. I’m a widow he passed at 57 I called SS and was told to collect his at 60 because his is like over. 3k if I wait till 67, mine is like 400.00 a month. As it is I can only collect a percentage of his which goes up every year I wait. At 60 it was 50% if I wait till 62 it’s 70% I waited because I listened to a financial advisor that SS is taxable plus I will have to pay for healthcare it’s not enough to live on in the North East
@clydenechinetti9655
5 жыл бұрын
So Confused. I was older than my husband, who died before applying for his benefits. He was born in 1950 and I was born in 1947. The Administrator told me my check, would increase when I turned 67. The minimum would be $1800, but it should be around $2300. At 67, it did not increase and I have no idea how he calculated it. I desperately need this money at 71. I need to know what he did and why he told me that. I do not even get the minimum of $1800.
@davidprice2882
4 жыл бұрын
First time viewer here. GREAT JOB! And,... I see below ‘file & suspend’ is disallowed now. How detrimental is this change? It was utilized for three years of my plan that was formed in 2014.
@janiceragsdale5946
2 жыл бұрын
No it's not,Devin I draw a spousal benefit check off my husband,and our 36,year old sondraws same amount check.social security told me a spousal benefit check is all I'd ever draw.its $295.00 a mnth.thats why I'm a 62 year old female.seriously trying to go back out in publicwork so tell me what else I can do !.
@donnalmich8398
3 жыл бұрын
Im 73 , married over 10 years, & divorced. I filed for my soc security at 62. My ex husband is currently 69, and he waited until his full retirement age to get his social security. I know i can now receive half of my ex’s social security if the half is more than my soc sec. Will i get a REDUCED-amount because i filed at age 62? Thank you for any info u can help me with.
@dresser6135
3 жыл бұрын
Yes, if you file at age 62 you will get a reduced SS py'mt.
@normathrift3977
4 жыл бұрын
Devon, I was married 36 years. My husband was self employed and got sick, he didnt file taxes several years b 4 he died, however he drew ssi, not ssd, social security told me I could never draw off of him because he was drawing supplemental income, I filed for SSDI and was approved ou bed, I had my 40 weeks in so I draw my own ssdi, is there anyway that I'm eligable to draw anything from him? He served in the army during Vietnam stateside, with a general discharge. Please advise. Thank you. Love your channel.
@glad5363
5 жыл бұрын
How does receiving this money affect your taxes when you file at end of year?
@stevetonnesen3666
3 жыл бұрын
I have analyzed the data from the SSA regarding my benefits and what I think you should explain to everyone is that the percentage increase over FRA is based only on the starting FRA benefit amount and does NOT COMPOUND per month, so will be less than so if it did.
@01022goose
5 жыл бұрын
My wife is currently 63 and filed at 62. she receives $873. I will be 62 in December and I am the higher earner. At 62 my benefit will be $1450, at 66 1/2 it will be $1989 and at 70 it will be $2546. If I choose to hold off collecting until FRA or 70, can I get a spousal benefit until I file? If so, when can I file for it? Do I have to wait until my wife reaches FRA first? Any clarification would be appreciated.
@manny7886
5 жыл бұрын
Thanks for the info. Very helpful. Liked and sub.
@windcancersurvivor5120
3 жыл бұрын
One area nobody covers are Marital Separation Agreements, which many couples are held in for many years due to health insurance. Please cover couples held in MSA’s unable to get divorced!
@rdr6276
5 жыл бұрын
Great video! I'm a few years away but gaining knowledge, thanks to you, before I get there. I have a friend who is younger than his wife. She started drawing at 62 almost two years ago. I think her ss is a little over $500/mo. He plans on starting ss when he turns 63 in a couple of years. I think at 63 his reduced benefit will be around $1900/mo. When he starts drawing at 63 , will she then be able to get topped off to $950/mo with the extra spousal benefit?
@316bonnie1
5 жыл бұрын
I hope you get your answer I'm coming back to see what he has to reply or would his reply is rather good question
@DevinCarroll
5 жыл бұрын
So if your friend is 61 now he will attain FRA at 66 & 10 months. This means that the $1,900 benefit that you referenced will be about 73% of the full retirement age benefit which should be around $2,600 (this is rough math while I'm waiting for my daughter to get to the car). Since his wife will be 66 when he files, and she thus becomes eligible for a spousal benefit, that portion of her benefit will not be reduced. So, if she would've waited until her full retirement age to file for both benefits she would have been eligible for a total of $1,300 in benefits. $667 of this would've been from her work history and $633 would be from the spousal top off portion. That spousal top off portion should not be reduced for her prior filing if she doesn't become eligible until her full retirement age. This means that when he files for benefits she should be eligible for an additional $633 in benefits if she is full retirement age. (Again...I'm hesitant to do this calc while sitting in a dark car, but I'm confident in the answer. :-)
@rdr6276
5 жыл бұрын
@@DevinCarroll Thank you so much for responding! I'll send my friend the link to your video and let him know about this. Even though I've watched your videos, some specific scenarios are a little confusing to me. Thanks
@lindabarnes1585
5 жыл бұрын
When I call the SSA what application do I ask for to start the process of applying for a spousal benefit?
@dorothyyoung8231
5 жыл бұрын
Linda Barnes, just tell them what you want to do. They’ll handle it. Alternatively you can apply online.
@inmyimage1081
5 жыл бұрын
How about a curve ball... I'm 49 and receive SSDI I have a 15yo son who is disabled and currently receives the full family benefit My wife is most likely going to leave her job in a year to care for him because he is getting to difficult for me to supervise My understanding is that she will qualify for the family benefit also which will be split with him until he turns 18 So my question is... how does the benefit change when he turns 18 and qualifies for his own SSI benefit? Again my understanding is that my wife will be able to continue her family benefit as the primary caregiver of our adult son after he turns 18. Thanks!
@lorireece1970
5 жыл бұрын
Rusty, do not pass judgment. It only makes YOU the despicable one. You don’t walk in their shoes.
@mickeykindley9885
5 жыл бұрын
Rusty SHAME ON YOU
@mickeykindley9885
5 жыл бұрын
And to get ssdi it’s based off of a WORK history
@gilbertogomez4041
5 жыл бұрын
lol your all funny lmao !
@altriplett9099
5 жыл бұрын
@Rusty Shackelford SSD is for those who WORKED! SSI, is for those that are so screwed up that they can't work, or didn't work long enough before they got screwed up!
@katycagle1836
2 жыл бұрын
I am 19 years older than my husband. He is the higher earner. Can i draw off of him at my full retirement age or just myself
@tinamitchell5205
5 жыл бұрын
So what if the spouse started drawing disability at 59 which she draws her fra amount so how would spousal benefits work when her husband files for retirement at fra?
@carolhathaway6235
2 жыл бұрын
I!m a young widow at 35 so when im 60 is it all retro active
@angelag.johnson1985
5 жыл бұрын
Just Subscribed. Great Info.TFS.
@xpindy
2 жыл бұрын
I've just retired at 65, my wife is on disability and 56, when can she begin to take spousal benefits. Her SSDI is pretty minimal.
@Paul-gz5dp
4 жыл бұрын
I'm 56 and was deliberately attacked on the job as a result no longer able to do what I did or anything else that I could possibly get even an interview at. My wife does not have the work history and she is also disabled recently had a heart attack and 64 she also has diabetes and suffered a stroke. We have been together since 92 and married in 2008.
@ceedee410godschild2
5 жыл бұрын
I'm on disability after working as a nurse for 29years. I receive 1180. per month. My ex receives his full benefit of 2600 a month. We were married for 12 years, been divorced for 15 years. I was told I don't qualify for any of his SS. I was 58 when I retired and went on disability. I am now 64. Why do I not qualify?
@bayoume
4 жыл бұрын
I am still confused. I was born in 1953 and my wife was born in 1955. I would like to file a restricted Social Security claim in February 2020. I thought I could do this when she files for her early spousal benefit (at 64). Then I can file a claim on her spousal benefit. After listening to numerous videos, I am convinced I can't do this until she reaches her FRA at age 66 and 2 months. I am sure there are lots of people in this same situation. Could you respond to this?
@katieburchfield8261
4 жыл бұрын
I’m still technically married to my husband but we have been separated for about 4 years now and I’d like to know if I am able to get my spousal benefit off of him we have been married over 25 years?
@1134Bigguy
3 жыл бұрын
Yes, if he has filed for benefits, as you're still married. You need to be 62+ and then you get a reduced amount before FRA. Max is 50% of his benefit. If he files before FRA then benefit is reduced for filing early and so would your portion of his if you are under FRA.
@katieburchfield8261
3 жыл бұрын
@@1134Bigguy he doesn’t file anymore because he can’t work anymore
@reneemartinez7452
4 жыл бұрын
I was married twice my first marriage I think last 10 years but my second marriage lasted 28 years but he never filed his taxes how would I deal with a situation like that at the 10-year marriage he made the most money but I don't even know which one I'm drawing the Social Security office where I live is not very much help
@nanettew7678
5 жыл бұрын
Maybe I misunderstood but I thought you said you were going to cover this for those who were born before 1960. I do not have enough credits for social security, my husband does. I was born in 1954 and he was born in 1956. He is wanting to wait until he turns 67 I believe it is 67 and 4 months to draw full benefits. I made a copy of the chart that was shown in the video and Im going to assume the same applies to those who were born before 1960. I calculate we should be able to receive full benefits in Sept 2023 when he turns 67 and 4 months. I applied for Medicare using spousal benefits this month which will begin in October.
@irenebelototsky5469
4 жыл бұрын
Nanette W It is probably 66 and 4 mounts, not 67 and 4. One year less, then you predicted.
@Mr._Rick
2 жыл бұрын
Is the spousal benefit rounded down to the dollar? Higher PIA (rounded down to dime) divided by 2 minus lower PIA (rounded down to dime) = spousal rounded down to dollar???
@1SGBob1
Жыл бұрын
If I, as the higher earner, file at age 70, does the amount of the spousal top-off still get calculated from my FRA?
@dawnclarke5281
5 жыл бұрын
I am a remarried widow who hasn't earned enough credits for my own social security. My first marriage ended after 24 years when my husband passed. My current husband and I have been married for 11 years and he started collecting social security at 62. I am not at full retirement age yet. Can you please tell me what my options are?
@DevinCarroll
5 жыл бұрын
If you were remarried before the age of 60, your only current option will be a spousal benefit from your current husband. If the current marriage ends, by death or divorce, you can go back and get a survivor benefit from your first husband if that's more.
@jocelynsaragosa9909
5 жыл бұрын
I’m 57 yrs old and collecting social security disability, my ex-husband is 70 yrs old. Can I collect spousal social security benefits? Thank you for the information 🙏 first time to watch your video :)
@DevinCarroll
5 жыл бұрын
If you were married for more than 10 years, and currently unmarried, you should be able to get a spousal benefit from your ex-husband if that benefit is higher than yours.
@dorinatudisco1308
3 жыл бұрын
Thank you! I believe you said that the lower earning spouse would not be eligible for a spousal benefit if the higher earning spouse earned too much. How much is too much?
@MBihon2000
5 жыл бұрын
Great ! SSA personnel,will not give the details of filing spousal benefits. Their mouths are sealed.
@bamahama707
4 жыл бұрын
Of course not...that's not their job.
@aurora571000
3 жыл бұрын
Try different offices, different clerks. I found one that was helpful.
@whatsname2649
2 жыл бұрын
Been watching video, but still not clear. I'm 66. I can claim full benefit at 66 4mos. I'm waiting for 70. My wife will be 56 at that time. She is a foreigner & has no SS history. Can I get 50% more at that time?
@EC4400
3 жыл бұрын
Very informative. Thanks.
@revbikerbigd8664
5 жыл бұрын
Wife has less than 40 pts. Will parts A,B,D cost more? I'm disabled for years, will she have to pay for part A Medicare at age 65?
@ravello99
5 жыл бұрын
Great explanation. Thank you. Is there an online calculator you know of where one can enter their actual #'s from their (and their spouse's) SSN statements?
@Keep-on-ok
4 жыл бұрын
Now I know why my husband’s ex never remarried.
@KenPaulsenArchitect
5 жыл бұрын
My Quicken SS Program says my wife should apply for SPOUSAL benefits at her F.R.A. .... BUT, when she turns 70, she should then apply for benefits from her own earning record as they will have increased above the 1/2 of her spousal benefits paid from my earning record. I don't think your video covered this issue.
@roxannebush8410
Жыл бұрын
I'm almost 63 and my husband is 65 he's not going to retire until he's 66 and a half I've worked 6 years so I don't qualify for my own what happens to the money I did put into social security for the 6 years.
@daladdeleon539
5 жыл бұрын
Thank you a lot for this information it helpful for everybody ssi. benefit.
@jbdarr604
4 жыл бұрын
Hey Devin, no one ever helps adult disabled children. There is a benefit that, unless you know about it, no one tells you anything about it. DAC Disabled Adult Child. Can you explain this benefit please?
@robertgerber2533
5 жыл бұрын
I'm 63 years old and on social security disability for a few years already so I'm already collecting my full retirement benefit. My wife does not have enough work credits to get a benefit of her own. What will her spousal benefit be at 62 based on my record? She is unable to work. My benefit is 2206.00
@pennyalmlie1860
5 жыл бұрын
I would like to know this as well
@hldye7442
5 жыл бұрын
hers will be 50% of yours if she takes it at her F.R.A.(age 67) but if she takes it at 62 then she will get 32.50% of the full (50%) ($1103.00) amount, she will get around $360.00 ???
@pennyalmlie1860
5 жыл бұрын
@@hldye7442 my husband is 64 and disabled. He has been for 19 years. Does this make a difference??? I am 61.
@revbikerbigd8664
5 жыл бұрын
Wife born Nov 1954. Doesn't have 40 points! She wants to start collecting 50% of my disability on her birthday at age 65. I'm 64, totally disabled and collecting now for 8 years. When is the best time for her to file for herself to get maximum benefits at 65 or a few months later??? Thanks for your time.👍
@DevinCarroll
5 жыл бұрын
If she was born in 1954, her full retirement age is 66. If she wants to collect the max, she'll need to file at 66 (but no need to file any later).
@revbikerbigd8664
5 жыл бұрын
@@DevinCarroll I thought born 54 and before was 65 for full retirement, I'm glad we asked, thanks!
@j.n3985
3 жыл бұрын
If you as a spouse receive your own lower ss benefits and also a county pension, you are subject to pension off set and get a huge reduction in your own ss benefits and don't qualify for your spouses higher ss benefits even if off set by pension off set deduction. So in a sense penalized twice.
@debbiesmyth9206
3 жыл бұрын
Hi Devin. Thanks so much for the help in understanding soc. Sec/SSI. I HAVE A QUESTION. when you talk about a married couple and how they determine how much they will receive for ss or ssi, if both are still living, does the spouse (usually the wife) with the lower ss or ssi amount still receive a portion of what the spouse with a higher mo benefit to supplement her lower benefit? Or do all these rules pertain to a situation where the higher paid spouse has deceased? Then the surviving spouse gets a portion of the deceased spouse income? I would greatly appreciate a little more clarity on that. For instance both my husband and I are disabled so we both receive SSI. Amd have for at least 5 years. So neither of us were full retirement age when we became disabled. His birth year is 1955 mine is 1957. So how does that work for us.
@1134Bigguy
3 жыл бұрын
To get a spousal benefit you must be 62+ (Kids not included). It is always the higher amount of the two benefits. If your benefit is the highest and your spouse passes away, you're already at the highest benefit. If your benefit is the lowest then you would get your lower benefit plus the difference of your spouses benefit minus your benefit, bringing you up to your spouses amount in kind of backwards calculation.
@johnmeggers5059
4 жыл бұрын
Devin - I've had another financial planner tell me something that seems to contradict your statement at around the 12:30 mark that "Once she became eligible for a spousal benefit, ... her age at that point in time would determine how that portion would be reduced, not her age when she filed for her own benefit." I was told if the lower-earning spouse (LES) starts to collect her personal benefit early, that will reduce the spousal benefit even if the lower-earning spouse has reached FRA before the higher-earning spouse (HES) files for benefits at all, at which point the LES is eligible to convert over to collecting spousal benefits.
@johnmeggers5059
4 жыл бұрын
Also see www.aarp.org/retirement/social-security/questions-answers/switch-social-security-spousal/ - "Even if you are at full retirement age when you file for spousal benefits, your total monthly payment will be less than half of your spouse’s primary insurance amount, reflecting the fact that your initial Social Security claim came early."
@DevinCarroll
4 жыл бұрын
This may simply be a misunderstanding or miscommunication from the other planner. You may want to share this with him/her. secure.ssa.gov/apps10/poms.nsf/lnx/0300615250
@johnmeggers5059
4 жыл бұрын
@@DevinCarroll Thanks for the link.
@janiceragsdale5946
2 жыл бұрын
Could it be because our oldest son draws a check to off his dad,my husband, sons check same as mine.$295.00 a mnth.is reason my spousal benefit check isn't more???
@margincall1779
4 жыл бұрын
I’m 58 on SSDI my wife is 62 her FRA is 66 10 months if she files for spouses benefit at her FRA will she get 50% of my SSDI?If I move to FL will they tax my SSDI like they do in NY?Thank you for all your great work.
@markrice2821
3 жыл бұрын
Nobody on youtube has the answer for my situation! I was a stay at home father with a small side business . My ex wife ( 8 years younger )and retired has 35 years at AT&T. My SS at 66 is only 550 But my ex wife will be turning 62 when I'm turning 70 . I am 63 now How would that calculate ? Married 27 years
@markkorab9788
3 жыл бұрын
assuming she starts collecting at age 62 you become eligible for 50% spousal benefit
@juliansenderey3397
4 жыл бұрын
Can my wife start collecting her own benefit at 62 yeas old and then change to my spouse benefit at 67 years old?
@pzp6r8
4 жыл бұрын
I would like to know also...
@suespony
3 жыл бұрын
Following
@johnscott2746
3 жыл бұрын
If you have already filed for SS , then they will automatically figure her benefit at 62 as a combination of her benefit and the spousal benefit. They will take your FRA benefit amount and figure the 50% spousal benefit. Then reduce it by the amounts shown in the video for someone claiming at 62. If her own benefit is not as high as the spousal benefit, she will get the difference added to her own benefit.
@RaquelM2025
5 жыл бұрын
Very interesting video. Thank you
@sammoore9689
4 жыл бұрын
ROI for Ss is a whopping 1.2% for the average joe.
@danieljustdaniel9550
3 жыл бұрын
If i am retired and have a disable adult child who is getting DAC benefits, can my wife who has no social security benifets due to thestaying home and raising our son be entilte to social security when she turns 62 off of my earnings.?
@lelisgraves8987
3 жыл бұрын
What I don’t understand is if the spouse get 2000 and the wife have 0 she gets 1000 SO do that means that the 2000 is split in half meaning they both get 1000 each????
@melodyreeder8272
3 жыл бұрын
What would I recieve if my husband of 25 years past away ( I'm going to be 62 in sept 25. ) my husband has terminal cancer . His age is 64 on disability I'm thinking of retiring at 62 Yes I was married before for 14 years and right now my ex is age 65 Can I claim widow on my husband as well as either my husband , mine or my ex Because the time I file I wouldn't be married since my husband would be past away at that time
@bobbypotter4269
3 жыл бұрын
I am 62 yrs old n getting disability check .my wife passed away 8.11 years ago n she was getting disability check my check is more than hers , can I still get her pension also n still keep all my disability check ??
@susancarter3864
5 жыл бұрын
Thank you for information, but what about when they supposedly overpay you?? I receive spousal benefits, cause my husband retired and we were married for over ten years and have a child in school. Well, SS sent me a letter stating they over paid me 9 dollars a month the first 3 years of receiving the benefits and 10 dollars a month for the last 2 years. Which adds up to $537. 00. And when can I send them a check, hahahaha.. this seems like a money racket. I already filled out a waiver form and now I have an appointment to meet with them and discuss why I should not have to pay this money back. 🤦🏽♀️🤷🏽♀️Any suggestions would be appreciated ???? Ohh and they said I could bring a Lawyer with me.
@susancarter3864
5 жыл бұрын
Lexi San Diego, hahaha, yeah, I’m going to tell them, take out 10.00 a month, for the next 5 years, JUST LIKE THEY OVERPAID ME. 👍🏽🤦🏽♀️🤷🏽♀️
@hughcoleman6544
4 жыл бұрын
My sister is retired from teaching in Texas Public Schools (High School) under the Texas State Teachers Association. She gets a state pension. Her husband (married for thirty years) draws a Social Security benefit. They are both around eighty years old. She claims that she is not eligible to receive any benefit from Social Security and will have to live on her smaller pension from TSTA if her husband dies. This does not seem reasonable. Is this true?
@bhinbayoucity5691
Жыл бұрын
Got a ?....me n my wife are 16 yrs apart (I am 58, she is 41 currently), and she does not qualify for her own benefit due to not having the 40 credits reqd. I am the higher earner. If I were to wait to file for my own benefit at 70 (in order to get the delayed earnings credits n thus the highest SS check amt), she would then be 54. Once I file n start collecting my SS check would she then start getting her spousal benefit?, or would she still have to wait til 62 before she can collect?, as I would then be 78! Yikes!...if someone could let me know...thks!
@wingkawaii2908
4 жыл бұрын
I was 36 years old and a filipino citizen ... married with the us citizen his disabled and his 56 years old and he had a ssi pension..we are married for 7 years.do i qualify for survival benefit?no children and i dont have work either.and i never been in the usa...thank u!!!
@jamesshoffner409
5 жыл бұрын
This video makes it clear to me that the people who do/did work and pay the mandatory "taxes" into the Social Security system are going to get screwed in the end. With the ever increasing age requirement to receive Full benefits, and the ever reduction of benefits for earlier retirement, this math exercise penalizes the responsible people making them pay more & getting less. Many Real Working AMERICANS take an early retirement due to issues e.g. health, financial, RIF by employers. To make it to Full retirement age & receive maximum income is akin to winning the Lottery.
@JohnMac3837
5 жыл бұрын
I agree. I filed at 62 because wife became disabled. Keep hearing things about reduced SS benefits, cuts to Medicare etc. Life has a way of screwing up best laid plans.
@lokinggoodbrowneyegirl9557
5 жыл бұрын
Very lucky for my man to help me
@wandalanders8700
5 жыл бұрын
I would think so ...you may have to be 62...unless your disabled. Check by calling your local S S office. Just tell them you want to ask a question, then you won't have to give so much info right now. You can also go to the S S office and get info. I wish you the best!
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