QUESTION:

Benefits from wife

How can I calculate whether to file for benefits under my social security of my wife's?
asked by Walter G. Moore, 12/8/2009
Categories: Public Employee Retirement System - PERS, Transitioning to Retirement, Social Security
ANSWERS:
Answered by: Editorial, 12/21/09
Overall Rating: Be the first to rate it.

If you were previously married, then it gets a little more complex:

1) If you are currently unmarried AND over 62 AND were married for 10 years, then you can collect benefits on your ex-spouse's record starting at age 62, provided that your spouse is also collecting benefits at that point.

2) If you remarry before age 60, then option 1 above isn't available unless your subsequent marriage ends, whether by death, divorce, or annulment.

3) If you are getting married after 60, then you should have 3 choices
a) collect your own benefit
b) collect your previous spouses benefit (option 1 above)
c) collect benefits on your current spouse's record, if they are higher.

Note: These rules are complicated and the SSA may change their guidelines, so you should check with your Social Security office.

You might want to visit your local Social Security office. You can locate it here: https://secure.ssa.gov/apps6z/FOLO/fo001.jsp You can also call the toll-free Social Security number 1-800-772-1213

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