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On average, women enter their retirement years poorer than men. This is particularly true for divorcing women. The following statistics, provided by the Social Security Administration (June, 2006), bear evidence to this claim:

• In 2004, the average annual Social Security income received by women 65+ was 76% of that received by men.

• Nationwide, Social Security comprises 53% of the income of elderly unmarried women, but only 38% of income for elderly unmarried men.

Part of the reason for this disparity is that women earn less than men on average. Another factor is that if a person (most often a woman) takes time off from the workforce to take care of his/her children or the elderly, the caregiver's Social Security retirement benefits decline. If a person has a few years of no earnings or low earnings, the benefit amount would typically be lower than if that person had worked steadily.

When the Social Security program was designed in the 1930s, it was based on the "traditional" family model in which women stayed at home and focused on homemaking and child-rearing. When a woman's husband retired, he received his Social Security check and she received half the value of his check until he died. Then she received 100 percent. (I'm not sure what the message is here: That homemaking and child-rearing is half as valuable as participating in the workforce? Or that dependent spouses should stay financially dependent)?

In any event, the 50% number rears its head again in the Social Security program's policy toward divorce. Here are some rules:

1. If you divorce after at least 10 years of marriage and don't remarry, you can collect retirement benefits on your former spouse's Social Security record if you are at least age 62 and if your former spouse is entitled to or receiving benefits. This is true whether your ex remarries or not.

2. Full retirement age for Social Security is 65 for those born in 1937 or before and 67 for those born in 1960 or after. For those born in between these years, there is a sliding scale. You can still begin accessing Social Security retirement benefits at age 62, but you will lock in a payment stream that is approximately 30 percent lower than if you wait until your full retirement age.

3. The amount you are entitled to receive is 50% of your ex's Social Security benefit or your own benefit based on your own employment history, whichever is greater.

4. If you remarry, you generally cannot collect benefits on your ex's record unless your later marriage ends (whether by death, divorce, or annulment).

5. If your divorced spouse dies, you can receive 100% of his benefits as a widow/widower if the marriage lasted 10 years or more.

6. Depending on your income bracket, 85% of Social Security benefits can be taxable.

7. One benefit to Social Security is that even if you collect benefits from your ex's record, this doesn't impact his benefit in any way, so it's not a negotiation point in divorce. In fact, he doesn't even have to know when you start receiving benefits.

For more information, check out the Social Security Administration's website at www.ssa.gov.

 

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92 comments

  • Comment Link brenda Friday, 07 March 2014 01:59 posted by brenda

    If I was married for 15 years to my x husband an have been divorced for 20 years. I had to get on disability 6 years ago. I am 53. If I remarried at 53. Would I lose my spouse benefits when I am 62. Or could I still get spouse benefits from my x husband anyway. I have been told different answers on this.

  • Comment Link steven richardson Thursday, 30 January 2014 16:37 posted by steven richardson

    i am getting divorced from my husband after 9 years of marrage am moving in with my mother who owns her home my daughter is staying with my x husband who is her step father how much social security benafits am i entitled to answers a s a p please

  • Comment Link Carol Alberty Tuesday, 03 December 2013 03:27 posted by Carol Alberty

    I am currently divorced and receiving SS on my ex husband's benefits. I am 65 and may marry a man with No SS. ( because he is Canadian). Why can't I still receive on my ex husband's SS ? As I understand it, it is assumed that I will marry someone with SS benefits and thus still have coverage, but this does not apply to me. WHAT is done in this case?? Do I lose the benefits permanently? This seems unfair since half of the money my ex husband put into the account was mine for 37 years worth of input.

  • Comment Link Guest Thursday, 07 March 2013 17:39 posted by Guest

    If your divorced spouse dies, you can receive 100% of his benefits as a widow/widower if the marriage lasted 10 years or more. Does this change if the widow/widower remmaries?

  • Comment Link Guest Tuesday, 05 February 2013 03:05 posted by Guest

    How did my father making 6+figures for 40 years, not pay into SS: My Mom is 83, struggling, was married to my dad 20 yrs. they divorced 1970, he worked in big oil for years, Halliburton, Standard oil, etc. now multi millionaire. I haven't seen him 41 years. I decided to look into getting my mom some of his benefits,(she never remarried) so after getting the required certificates together, making sure she would be eligible, we made appointment, spoke to the SS admin, only to find out he was not bringing in more than half of what my mom is already getting for her hard work to support 3 of us. She is actually only collecting $950
    Monthly. If you do the math, he had to have paid far more into it than she could ever possibly. They implied he was getting less than $1900 per month. He never paid child support either. Very stingy, worships $ like he going to take it with him. Is it possible that he hired someone to hide his earnings all those years. Those are big companies or were, he would never collect early due the penalty. God forbid he lose a dime. Somebody please give me some way or idea of how he is not sitting in club fed? I know our current treasurer, not sure he still (tax cheat Tim G, whatever) never paid his taxes. Congress, half of them don't pay either. Well thank you for reading, I'm sure he found a loophole.
    Shanon

  • Comment Link Guest Wednesday, 09 January 2013 14:46 posted by Guest

    Ex collecting social security: How can i found out if my ex husband is collecting social security. I have to pay him alimony until he collect it.

  • Comment Link Guest Wednesday, 07 November 2012 21:56 posted by Guest

    My mom is 67 my dad is: My mom is 67 my dad is 73.they have been married for 45 years .they get benefits from ss.he wants to divorce and remarrie if he dies after remarring will my mo recieve total amount of benefit of will his new wife recieve them ?

  • Comment Link Guest Monday, 08 October 2012 18:26 posted by Guest

    Social Security: been divorced 27 yrs. My ex husband died 2 yrs ago-his 2nd wife died 2 months later. No children between them or him & myself. Can i collect my exhusbands Social security or retirement
    im in NJ he had moved to Florida

  • Comment Link Guest Monday, 01 October 2012 21:46 posted by Guest

    CAN THE WIDOW BENEFITS RUN OUT?: If a deceased husband that was married more than once & both the wives are eligible for his benefits, and the first ex-wife starts drawing 10 years earlier than the other wife- can the other wife's benefits run out or be reduced due to the 1st wife drawing so much earlier?

  • Comment Link Guest Sunday, 23 September 2012 17:25 posted by Guest

    SSI : I am on SSI and was married to 1st husband for 17 years. I remarried for 1 year on second husban. I have been divorced since 1991, My age is 63 years old. When can I collect from first husband and he is 63 and will be retiring next year. How much will I receive? I only get 763.00 a month since 1997. Thank you for your reply.

  • Comment Link Guest Friday, 14 September 2012 20:01 posted by Guest

    Black Widows, male and female: I have read most of these post and some people are asking serious questions true enough, but others on here are out for money only, people marry others for financial gain and then kill them off and re-marry and then divorce, cause they now know that they have two people they can draw off of and so forth, This law need to change, once you marry another then all benefits from the first husband ends and if you have not been married for 10 yrs or more you should get nothing unless that person leave assets to you, but no one speaks of the children rather grown or not from the deceased spouse, I only here concern for a spouse, my father was married for over 50 yrs to my mom and then she died and he remarried some yrs later and then he died and the second wife took everything, his pension that was in place before she even came into the picture a pension of over 40 yrs and life insurance, bank accounts and shunned myself and his siblings off and, now come to find out all of his assets she put into a trust in her name, she re-married one of his army buddies and then divorced him and you mean to tell me she is entitled to my dad monies and his children are left with nothing and they have only been married 6 yrs, something is not right with this picture

  • Comment Link Guest Thursday, 13 September 2012 23:35 posted by Guest

    Drawing benefits: I am on ssdi at 56, divorced,and have a son that is disabled, living in my home,with his kids. My ex helps support my son and kids. Can my ex get benefits because I am drawing ssdi, or can I draw anything on his record. He is about to file for disability. And what would happen if we remarried?

  • Comment Link Guest Thursday, 13 September 2012 23:31 posted by Guest

    Drawing benefits: I am on ssdi at 56, divorced,and have a son that is disabled, living in my home,with his kids. My ex helps support my son and kids. Can my ex get benefits because I am drawing ssdi, or can I draw anything on his record. He is about to file for disability. And what would happen if we remarried?

  • Comment Link Guest Thursday, 06 September 2012 23:01 posted by Guest

    Collect back child support from deceased ex-husband?: My ex past away less that 2 weeks ago owing over $20,000 in back child support.
    Can I collect any from his survivor death benefit? We were married 8 1/2 years so I don't qualify for ex-spouse benefits.

  • Comment Link Guest Wednesday, 05 September 2012 15:00 posted by Guest

    Can I draw on my ex's SSI when I get to 62 years old then change: Can I draw on my ex's SSI when I get to 62 years old then change it to mine at 70 years old? So I could start getting SSI on hers (which is low earner) but then I would be able to adjust it to mine at 70 which would be high earner?
    We were married over 15 years. I have not remarried.

  • Comment Link Joanie Monday, 03 September 2012 21:26 posted by Joanie

    X husband and social security benefits: I was married almost 31 yrs when my now ex decided he wasn't happy and wanted a divorce.. Divorced in 2000..I was 54 and him 56. I never worked and was a stay at home mom..I also have medical problems and couldn't work at all.. He screwed me out of any alimony, and at 56, retired from his 6 figure a yr. job, just 9 mos. after the divorce was final! At 62, I applied for SS on his earnings..I get 1/2 of what he gets..He is remarried..I am not..Why should I not collect on his SS? Get off my dead ass and get a job now at 66 yrs. of age? Give me a break! With no work resume and my age plus not being well, what kind of work could and would I be hired to do? Don't be ludicrous!! I deserve that money since I helped him get to where he was for 31 years, before HIS surprise divorce! So Alissa, good for you that you were willing, able and young enough to go get a job and earn your own money! I am struggling and will be out of my house soon since I can't afford to keep up mortgage and taxes. I am NOT taking anything away from him by collecting SS on his earnings and he gives me nothing in support money as I said..He gets his full amount of SS.. Mine is not much and now with medicare deducting from it, it's much less..So, don't be making nasty cracks about other women who NEED and deserve to collect on their ex's SS. BTW, the one who's happy you're not collecting on his SS, is the Government! PS. My ex is very much enjoying his new retired life and all MY 'should be' alimony money with the new wife...Joanie

  • Comment Link Guest Thursday, 30 August 2012 00:59 posted by Guest

    DRAWING AGAINST EX HUSBANDS SSI INCOME: I HAVE BEEN MARRIED AND DIVORCED TWICE. I AM NOT MARRIED NOW AND PLAN ON STAYING THAT WAY. I AM 62YRS OLD AND WILL START DRAWING MY FIRST CHECK THE 3RD WEEK IN SEPT, THIS WILL BE FROM MY OWN ACCOUNT. WHAT CAN I EXPECT FROM MY 2 EX HUSBANDS SSI? I WAS MARRIED 10 YRS 1ST HUSBAND. 23 YRS 2ND HUSBAND.

  • Comment Link Guest Monday, 13 August 2012 15:34 posted by Guest

    WIDOWERS BENEFITS: MY OLDER HUSBAND ( 84) PASSED AWAY. HE WAS COLLECTING SS.. I WAS 56. I AM NOW 58 HAVE MET SOMEONE AND WOULD LIKE TO REMARRY. I CANNOT COLLECT ANY AMOUNT OF WIDOWERS SS UNTIL I AM 60 BUT I LOSE EVERYTHING IF I AM MARRIED ON THE DAY I TURN 60. SO EITHER I WAIT 2 YEARS TO GET MARRIED TO SOMEONE WHO IS ALREADY 69, OR I DON'T GET MARRIED AT ALL,,,, OR I GET MARRIED NOW,, GET DIVORCED JUST BEFORE MY 60TH BIRTHDAY, AND THEN REMARRY HIM

    THIS IS THE WAY I UNDERSTAND IT,,, AM I CORRECT. SO I WILL POTENTIALLY LOSE WIDOWERS BENEFITS FOR THE REST OF MY LIFE IF I GET MARRIED AGAIN BEFORE 60

    IN ADDITION, MY FIANCEES WIFE DIED 3 YEARS AGO, BUT HE WAS MORE THAN 60 YEARS OLD, COLLECTS ON HER ( HE IS STILL WORKING) AND WILL NOT LOSE HIS IF WE MARRY.

    I APPRECIATE ANY INFORMATION ANYONE HAS TO THIS DILEMA

  • Comment Link Guest Friday, 10 August 2012 21:39 posted by Guest

    You don't owe that woman an: You don't owe that woman an excuse. 23 years is a long time to stay dedicated to a man that may or may not have been a horrible spouse. God bless you and I hope you can be comfortable during this illness, and get the care you need with the money you are entitled to. And it doesn't matter what you did or didn't get in a divorce.

  • Comment Link Guest Friday, 10 August 2012 21:34 posted by Guest

    You don't know their: You don't know their situation or health status. You don't know why they were divorced, who did what to whom, if he didn't allow her to work and has no job experience in our economy where younger, more skilled workers can't find work. You're 40. WOW. That's just so similar to a 66 year old woman with disabilities. Grow up. You are old enough to do that.

  • Comment Link Guest Friday, 10 August 2012 21:31 posted by Guest

    Ex wives collecting : So you're an ex wife, so you got your a$$ up and got your own job and you have a child together this doesn't make you special. I've met women who were married for years to hard working men who mistreated them physically, emotionally, sexually and cheated on them as well. Women who gave their everything for their husbands and family. The EX WIVES who held it together for the childrens sake or just because they wanted to try and make it work (and for the grace of God made it out alive) have more then a right to collect off those men. If the law set it up that a wife OR a husband (remember husbands collect too) can collect, who are you to cast a stone. What are you going to do if you can no longer work due to illness or physical disabilities, you might be happy to have this type of set up to fall back on. If you've made enough or more then your ex to live on then more power to you. However you should watch your words because when the tables turn (and they do) crow is a dry meat to eat. How things happen in the lives of others especially if you don't know everyones situation (and how could you unless you're God) gives you NO RIGHT to pass judgement on anyone else REALLY ALISSA!!! HORRIBLE!!!

    Remember, even if the ex-wife/wives collect, it doesn't take away from what the man gets. By law he doesn't even have to know she's/they are getting SS. He could have had 5 wives and been married to each for 10 years and they all could collect including him. So how's his little feelings going to get hurt if his pocket book isn't being pinched? REALLY!

  • Comment Link Guest Friday, 10 August 2012 21:24 posted by Guest

    It's none of your business: It's none of your business how much she will get. As I'd hope you weren't there during their marriage you only know his side so lay off. If she's elligable it's because she earned it...period. It doesn't affect his amount or yours once you've endured him as long as she had. Please learn to read so you don't ask questions that have already been addressed repeatedly.

  • Comment Link Guest Friday, 10 August 2012 21:20 posted by Guest

    She deserves to draw that,: She deserves to draw that, but probably is too proud because of how he treated her. Please explain to her it's not charity on his part, and it's nothing she'll owe him for. God Bless her.

  • Comment Link Guest Friday, 10 August 2012 21:17 posted by Guest

    Again read the article. He: Again read the article. He doesn't even get informed when she starts drawing. He has to give permission if married less than 10 years, they are still married and not of retirement age, etc. He can't prevent an ex from drawing that is legally entitled.

  • Comment Link Guest Friday, 10 August 2012 21:14 posted by Guest

    Please read the article. It: Please read the article. It does NOT affect his SS amount.

  • Comment Link Guest Friday, 10 August 2012 21:10 posted by Guest

    That's wrong. As long as she: That's wrong. As long as she is divorced or widowed from the second husband prior to drawing from her first husband's SS then she can still draw it.

  • Comment Link Guest Tuesday, 31 July 2012 16:15 posted by Guest

    u get 0: unless u are divorced u cannot draw 0.If his ex is 62 and not married,she will get it.If u both are divorced,u both can draw at 62 only half,at 66 100%,or if u or her are on S.S. disability u can get 100 %.

  • Comment Link Guest Tuesday, 31 July 2012 16:00 posted by Guest

    yes you can: You can draw his S.S. if you remarried,and are divorced from the man you married.Only if u divorce him.

  • Comment Link Guest Tuesday, 31 July 2012 15:55 posted by Guest

    Reply to Ex husbands S.S.: If u were married to him for 10 years,"IF" u are approved for Social Security,u can draw 100 % of your deceased husbands Social Security.When you are awarded Social Security Disability benefits,be sure and tell them you are wanting to draw your benefits from his Social Security that he paid in.If you don't get your disability,then you can draw his at age 62.(I think only half his amount)unless you are 66 years old.Then 100%.go to http://www.ssa.org

  • Comment Link Guest Monday, 30 July 2012 14:39 posted by Guest

    your benefit: Anne. The same thing happened to me. While married, after 25 years and having quit work ten years ago to care for child, husband walked out of the marriage. I started collecting Soc sec 3 yrs ago at age 62. Husbands Soc sec is much higher than mine. I visited the Soc sec admin personally and the very unfriendly woman told me I could not draw on his Soc sec because I started drawing on mine at 62 and he is not full retirement age. I am thinking of visiting an attorney because I hear and read different scenarios from Soc sec Dept.

  • Comment Link Guest Tuesday, 24 July 2012 15:24 posted by Guest

    collecting deceased husband's Social Security again: I was married, but separated from my 2nd husband when he died.I got Social Security for 10 years for
    me and my daughter, I remarried in 1991. I'm 67 and don't have any income.I need to know if
    I divorce my present husband and I start getting my deceased husband's Social Security again?

  • Comment Link Guest Monday, 16 July 2012 15:01 posted by Guest

    2 people drawing from one person: My husband's ex wife draws from his social security. Can two different people draw from the same man. We have been married for 15 years now and I am only 60. If his ex wife is still drawing when I hit retirement age can I draw from him?

  • Comment Link Guest Monday, 16 July 2012 15:01 posted by Guest

    2 people drawing from one person: My husband's ex wife draws from his social security. Can two different people draw from the same man. We have been married for 15 years now and I am only 60. If his ex wife is still drawing when I hit retirement age can I draw from him?

  • Comment Link Guest Monday, 16 July 2012 12:24 posted by Guest

    Anne Taber Katz question: I would like to see what the advice was that was provided to Anne. I am 63 and started to receive early SSA benefits on my record at 62. I went today to apply for divorced spouses's benefits as I am really struggling financially. I am working part time as well. I had researched the qualifying criteria to receive benefits based on his work recork and I should be eligible. At the SSA office today, I was told I was ineligible and that due to confidentiality, they could give me no further information. I am frustrated because all of the info I have read supports that I would be eligible and I have no doubt that his earnings greatly exceeded mine. Is it because I am still working? One relevant article I found referred to "non working divorced spouse"... Any light on this subject I would much appreciate. Thank you, Joy Leonard

  • Comment Link Guest Sunday, 15 July 2012 19:40 posted by Guest

    survivors benefits: My father, of age 91, retired and was in a nursing home for the past 9 years, passed away on 06/28/2012. Is my mother, of age 81 and retired also, entitled to receive my father's June social secruity check even though it was 2 days short of the end of the month?

  • Comment Link Guest Sunday, 15 July 2012 11:19 posted by Guest

    My dad was married to his: My dad was married to his first wife for maybe 10 years and have two adult children at this time. Now they have been divorced well over 24 years +. My dad never remarried but is his first wife still entitled to monies and security he's earrnd since thier divorce?

  • Comment Link Guest Saturday, 07 July 2012 08:41 posted by Guest

    Social Security Benefits: I would like to comment on your post. I for one, think you have a lot of nerve to make decisions for other women. And No we as women who have an ex-husband and are eligible to collect on his Social Security might be a life saving for some.

    If a woman has given her life to this man and then divorces after let's say, 25yrs. You better believe she is entitled to his social security. This does not say that she is needy nor dependent.

    It is the law and also I might add, most of these women are still working and if the ex spouse's social security is greater than her own, of course she would collect on the ex's social security.

    I find your post offensive to othr women. I for one am not counting the days of my ex's retirement nor his death. But just the same, after 25 years of marriage and raising 2 daughters, I wil be entitled to his social security, because his is greater by far than my own social security.

    Apparently you might be in a better situation financially than most women when they reach the retirement age. It is not about going out and finding a job, etc. Most women actully are in the work force at an older age, if the ex has passed in order to survive, and again I reiterate this is not greed. She is entitled to a percentage of the ex's social security.

  • Comment Link Guest Thursday, 05 July 2012 15:27 posted by Guest

    10 year Social Security Law for married women who divorced over : I am one of the women who is now on Social Security after leaving a marriage of 8 3/4 years for abuse. I worked all my life with out receiving one dime of support, food stamps, write off for child care, or housing. I lived and raised 2 children starting out at $300 per month. No one helped me but the Lord. No one told me if I waited, it would help me later in life. Would I have known, even though my husband left us he did not want a divorce, and I would not have filed until the 10 years were up. My husband was an engineer for NASA and made $4000.00 per month...I was making less than 10% of what he made. I stopped working and retired on disability from Social Security when I was 54 years old from and accident and supporting a Mother with Parkinson's Disease. Life has never been easy and I never looked for it to be. I have done a lot of community work as a volunteer wherever I have lived. Part of the problem, is I am 76 years old, so my working years were poor pay compared to today. I was once told by a boss that I could not be paid as much as the men I was teaching because they are responsible for their wives and children. So was I...but it didn't matter. I missed 10 years of work due to disability, but returned to work at the age of 66 and started at the bottom again and worked until I was 73, when I was laid off and lost my business I was building due to the economy. I am not bitter and don't you be either because that way they are the only ones who win. I am receiving $16 in food stamps a month and help with my rent. My income is $768 a month. I am making it and am grateful to God for his help and I have to tell you that I have accepted my situation and still find time to help others and cook meals for others that are less fortunate than I am. I also am happy. No, I am not stupid, but I have accepted that this is the was it is and so I have gotten on with life. My first husband died several years ago and was a hopeless alcoholic. I felt nothing. One of the things he told me before he died (he asked to see me) was that he had always loved me. I asked him how you love someone and do not care whether they or your children have enough to eat. His answer? ...and I quote..."I never for one second ever gave it a thought. I knew what kind of mother you were and I never had to worry about the children." Believe it or not, I felt sorry for him as I knew he didn't even know what love was. The young people need to fight to get this law changed. I had two boys, IQ's of l45 and 160+, who never got to go to college, and it is wrong. Hope this helps you to move forward and let me know if I can help.

  • Comment Link Guest Saturday, 30 June 2012 18:33 posted by Guest

    You need to mind your own: You need to mind your own business and quite worrying about every one else's. You are not in every one else's shoes and have no right condemn any ex-wife. If they are entitled to it and it doesn't affect the ex than who is it hurting ? I have two kids and stayed home many nights and also worked a full time job raising them while my ex worked nights for 21 years so don't tell me I am not entitled to my ex -husbands ss when I turn 62. Mind your own business!!!!!!!!

  • Comment Link Guest Wednesday, 27 June 2012 17:26 posted by Guest

    I do not believe that: I do not believe that situation at all. First, in order to collect you will need to have been mattied 10+ years. The total family allottement is questionable.

  • Comment Link Guest Monday, 25 June 2012 21:47 posted by Guest

    No Understanding: People please learn to read and fully understand what you are reading before you start pointing fingers at people and name calling.. These are not rules and laws that were designed yesterday they have been in place for years. If a man or woman was married to someone for 10 or more years and they are divorced, suddenly 2 years after the divorce the person passes away the individual is in-titled to draw money off of their ex-spouses social security at age 62 as long as they have not remarried. I mean really why all the name calling. People are asking serious questions here and all I am seeing is a bunch of name calling. For those of you that have these questions I highly suggest that you go to the social security website where most of your questions can be answered. www.ssa.gov. There is nothing worse than coming to site in hopes of finding answers or suggestions related to your questions, and you find a bunch of misinformed individuals throwing out a bunch of misleading information. Good Luck to each of you with your situation, as the social security process can be very long an detailed but continue to follow through until you understand and are satisfied with the answers. (Good Luck)

  • Comment Link Guest Sunday, 17 June 2012 00:09 posted by Guest

    They were half of the team that paid into the system: Keep reading. I was married for 23 years and got NOTHING in the divorce AND had stayed at home to raise our three children. I put myself through college and just shy of getting my degree, struggling mightily like you and many others, I was diagnosed with terminal cancer and still get NOTHING and no help. I sincerely hope that you learn more about social security, what it is, what it is NOT and who and WHY are entitled... But sadly, if you are forty there will be nothing left when you have nothing to live on and are an elderly person in need... And it will NOT be because of the women receiving the ex's benefit. Those women receive only half because they were half of the team that paid into the system. It is not greed. I hope you all the best and no suffering...but life has a way of pulling the carpet from underneath you... I can assure you of that. I would give anything to be working at 65 but instead I am laying in a hospital bed dying of cancer at 45. I sincerely hope that you have no debt and are saving as much money as you are able. It is estimated that a woman of 40 today will need roughly $500k by the time she is 66 to cover her medical and living expenses.

  • Comment Link Guest Saturday, 16 June 2012 23:53 posted by Guest

    Social security is NOT your ex's retirement fund!: Alissa, it actually is not 'taking advantage' of the ex husband. This program was designed largely in part because of the value system of this country. The United States encouraged and supported the family arrangement and the sacrifices made by the first wife to be stay at home mom's and raise well educated, respectful and productive members of society. These values were the backbone and stability of this nation. For my part I was a stay at home mom for 23 years at my husbands request. It was not until my children were grown that I left, created a new life for myself and went to college. Just shy of receiving my degree I was diagnosed with terminal cancer and now live on disability benefits totaling less than $300 a month due to MY lack of involvement in the work force at my husbands request. Social security is meant for women who gave their all to their husbands, children and country and paid into the program by supporting their husbands. YOU are not being gracious or kind to him by not taking the opportunity that YOU earned you are simply turning down what is rightfully yours. If I were 66 and receiving basic social security and NOT social security disability at the age of 45 for terminal cancer I would be receiving more than $2000 a month... But I am not. If I were 66 and receiving basic social security and receiving the much larger amount based on my ex husbands wages and not my own they would have been rightfully earned by my full time job as wife, mother, and all that those responsibilities entail if being handled properly and with love. You are mistaken on your attitude and I hope that you do not forfeit your rights.... You just may need them because life has a way of surprising you with events you never could have imagined. More importantly social security is NOT a retirement plan and few are able to survive comfortably on it.... Just ask around. Retirement is what your husband is personally saving or investing in and not a partially federally funded program for the nations elderly that they paid into. Don't worry though... Likely the money will be long gone by the time you would need it so you won't feel as if you are taking advantage. Hopefully YOU will have saved around $500k for your own medical and housing needs because that is what it is estimated to cost you when you are 66 and older if you are a mere 40 years old right now...

  • Comment Link Guest Wednesday, 13 June 2012 12:04 posted by Guest

    Social Security Benefits: My former husband and I were married in 1974, and were divorced in 2005. I worked before our marriage,
    but only for a year or so after our marriage. My husband was a heart surgeon and had a very rigorous
    schedule. I was a stay at home mom, wife, homemaker, and worked for years in our community,
    as a room mother, soccer mom, etc. My husband did not want me to work outside of our home, and
    I really did need to be home.

    While going through our divorce, a person at the Social Security Administration explained to me that
    I could begin to draw benefits on my own work record at age 62 and, then, begin to draw benefits based
    on my former husband's work record when I was 66 years old. I would be eligible, at that time, to receive
    one half of his benefits at age 66. I am now 66, and recently filed for benefits based upon my former husband's work record. The woman with whom I spoke at the Social Security Adminstration helped me to apply for these benefits and told me that the amount I should expect to receive would be $1,198.00 monthly, half of my husband's benefit at age 66. I received a letter shortly thereafter, telling me that this application had been approved; it had been based on my former husband's work record under his
    social security number.

    Several weeks later, I received another letter, letting me know that I would be receiving $870.00 monthly. When I called the Social Security Office I had visited, the woman with whom I had previously spoken, told me that she did not understand this. She added that, since I had begun to receive benefits based upon my own record, that this was the reason I would continue to receive benefits under my record, but I should be receiving an amount based upon my former husband's work record which, combined with my benefits, would total one half of my former husband's benefits. She suggested that I file an appeal, which I have done. I have heard nothing yet, but just received another check from Social Security for $870.00.

    I do not understand why benefits to me, based upon my former husband's work record, were first approved under his social security number, and then this seemed to have been reversed.

    I am 66, have not been able to find work, have a limited amount of savings, and am concerned about my
    financial future. Could you please advise me?

    Thank you,
    Anne Taber Katz

  • Comment Link Guest Wednesday, 13 June 2012 09:49 posted by Guest

    divorce and didability: I have been divorced from my exhusband 4 day shy of ten years am i intitled to any of his disability income i never remarried.

  • Comment Link Guest Friday, 08 June 2012 13:50 posted by Guest

    father passed away: My mother is now 65 my fatber passed away March 29, 2012 he was getting SS. My mother is still working can she file for widow benifits and recicive and still work?

  • Comment Link Guest Sunday, 03 June 2012 01:53 posted by Guest

    Can you receive two SS benefits at the same time?: At 60, I received SS Widows benefits based on my deceased ex-husband's SS#. At 61, I became permanently Disabled and now receive SS Disability benefits based on my SS#. Can I be entitled to BOTH benefits at the same time or do I have to give up my Widow's benefit because I'm now disabled? I can not find any information on my situation. I only see dual benefits based on Worker's Comp and Widows. Does anybody know the answer to my question. If so, please let me know the answer! Thanks!

  • Comment Link Guest Tuesday, 29 May 2012 10:39 posted by Guest

    The 10 year law needs to be changed : I totally agree!

  • Comment Link Guest Sunday, 27 May 2012 08:03 posted by Guest

    2nd Wives...: OK... from a guys perspective I have a question. I REmarried after my 1st marriage fell apart. My 2nd wife and I were married (with NO kids) for 10.5 years when she said she was not happy and wanted a divorce.

    Is my 2nd wife entitled to receive any benefit? You said it does not change my benefit? If I the x-hubby remarries again (God only knows why) would this change anything for wife #1 or #2? If #1 or #2 ever marry again, this blocks their ability to receive an SS benefit based on MY (hubby) earnings?

    Thanks for your input. While I understand the disparity in wage earners, I also understand the 'gold digger' concept that is alive and well.

    Why could'nt my Son (from 1st marriage) receive my benefit?

    Thank you!

  • Comment Link Guest Sunday, 27 May 2012 02:10 posted by Guest

    Your right. I am so sorry: Your right. I am so sorry your father treated your mother like that, and it is so sad, since he cannot probably face or imagine what an emotional blow such cheating and financial deprivation he caused to not only your mom, but to you and your siblings. Especially, when one considers how you had to witness how much better the second and third wife were treated compared to all of you, even his own children. Women should not have respect for a man like that. If I were to ever meet another man, I can't imagine loving or respecting him, if he was so stingy towards his very own children and a former long-term wife, unless perhaps she left him for a wealthier man. It is my understanding, that your mom could file for disability based on his earnings if she is not married, and they were married at least 10 years, without he or other wives ever knowing. I read it is not reported to them, although she probably needs to know his social security number. She only get 50% of his earnings, unless she qualified for more on her own earnings, so why would she feel guilty. Had they stayed married she would have received that 50%, and he his 100%. It does not affect what he or any other wives will collect. She has to recognize she deserves this, and she earned it, since she helped him earn his living really. She was working, and harder than any second or third wife will ever earn again. Had she remained married, she would have received that benefit for that same work, so she should still receive it for the work even if divorced. She still did all that work you described, and that allowed him to pay into the system more than he could have if he had been taking care of the children, cooking, etc.

  • Comment Link Guest Sunday, 27 May 2012 01:38 posted by Guest

    Correction. Meant to say "I: Correction. Meant to say "I would think she should have provided for herself, or maybe can collect from her (past) husband." - as opposed to future husband. I think second wives are ticked that their husband's pay child support. I get no alimony, and that is becoming very rare around here, unless someone has very young children, or it is very temporary.

  • Comment Link Guest Sunday, 27 May 2012 00:59 posted by Guest

    Selfish X-Wives: Wow! How selfish! Why would you begrudge first wives from qualifying for an only 50% of their ex-husband's SSI benefit. She can only qualify if married for at least 10 years, which means she most likely had children. Since she was the first wife, and it lasted 10 years, her future lifetime earnings would likely be suppressed for the sake of her children, her marriage, and to not create a schedule that did not negatively impacted her husband's career, or limited his ability to travel or work odd hours. After all, it is important someone focus on their career, which increases that person's SSI contribution, but only because he could know someone was making sure his children were alright. She probably also earned some of her own SSI, so really she would have been paid something anyways. If she earned the equivalent of 30% of his earnings, then this would leave a much smaller benefit difference amount. The most vulnerable women in terms of suppressed lifetime earnings, will be women who were married and had children during a time frame that spanned their twenties to thirties, or women who had to move a lot for their husband's careers. The second wife may never have had suppressed earnings in their lifetime. Sometimes the second wife has never had to limit, quit or change a job because their husband's career demanded travel, long or odd hours. Even Men who make such sacrifices deserve at least 50% of their spouse's SSI benefit, since their services of childcare and household duties, often in combination with some earnings, make it possible for the other spouse to travel or work longer or odd hours. This increases that spouses advancement up a career ladder, and starts early retirement savings that can compound during the younger years. It should not be treated as if the last out gets a pot of gold. Why would anyone qualify if not disabled and they had no children? Also, why would a subsequent wife of only 2 years before a man die qualify if she had no child with him? I can see how a military wife, or any wife of a man who had a job transfer that negatively impacted his wives earnings would deserve benefits.

  • Comment Link Guest Saturday, 26 May 2012 13:54 posted by Guest

    i dont think it affects the: i dont think it affects the amount either of you will draw even if she does get to draw. But i am pretty sure he has to agree to it. and they had to have had children together.

    To the lady with the comment below yours, comments like that doesnt make the ex's sound money hungry. i know every situation is different, but we dont know what these ladies went through before the new hubby came along. My mom was married to my dad for 23 years waited on him hand and foot, gave him 4 children of his own and raised 2 of his nephews, my dad worked out of town 4 days a week, so when i say she raised them thats what i mean in all seriousness!! when they got divorced my 2 youngest sisters were 11 and 12. he never allowed my mom to work and he was the one running around with other women all 23 of them years while he was out of town. it took my mom 10 years to stop crying herself to sleep. now my mom never has remarried, my dad on the other hand has been married 3 times since. He didnt pay child support to my mom. He let her and the girls live in the most rickety house he owned and that was his child support. and my dad was very well off by then. My mom got nothing but a ford taurus and her clothes and kids which he checked up on about once every 3 or 4 months! he remarried in 6 months it lasted barely a year she got a 16 x 80 mobile home a car and a truck health insurance on him for a year and ten grand. the second wife, got a $35000 mustang convertible, a brand new kia sportage and 30,000 bucks! and my mom is too proud to draw off my dads SS, which she is probably more entitled to than he is!!! i wish she would, she deserves at least that, look at what all the gold diggers got!

  • Comment Link Guest Saturday, 26 May 2012 13:41 posted by Guest

    If they had children together: If they had children together then you will both draw from his SS. If they didnt have children or she remarried she will not be able to draw. I dont think you will be able to draw off of your husband if you remarried. My brother passed away last year and his wife of 9 years with one minor daughter started drawing his SS 3 months after he passed away. She gets a check and so does his daughter. His wife will continue to draw this SS always unless she remarries. That is the only way other than going to prison that she can loose that check. his daughter will draw untill she is 18 or 21 if she is still in school. Good luck hope things work out for you!

  • Comment Link Guest Saturday, 26 May 2012 13:34 posted by Guest

    you could have been: you could have been collecting since his death. My 31 year old brother passed away this past july 2, 2011. he has worked since he was 16, they had one daughter and was married for 9 years, she now collects almost 1800 a month for her and right at 1700 for their daughter. go apply now for you widows benefits! you might even have some backpay coming to you! not sure about the backpay, but you can definatley draw his SS

  • Comment Link Guest Saturday, 26 May 2012 13:29 posted by Guest

    You could have if you hadn't: You could have if you hadn't remarried. it doesnt matter if he did. But once you remarried that cut u from being able to draw off him. if your son is still a minor he can draw his ss until he is 18 years old or 21 if in school.

  • Comment Link Guest Saturday, 26 May 2012 13:21 posted by Guest

    Hell Yeah! tell it girl! : Hell Yeah! tell it girl! some people just dont have a clue. like i said she probably had a man that made her ass go to work so he could stay home! and if they had kids he probably didnt take care of them either....her moma probably did on a sorry ass fixed income from a sorry half too! lol

  • Comment Link Guest Saturday, 26 May 2012 13:18 posted by Guest

    what a sorry a** comment: well i just gotta say my peace! when my husband and i married he had a decent job, that paid decent money that he pretty much blowed. He owned no land, no house, just a few boy toys. After moving in together I, me not him, went and borrowed the money to put him in business for himself. After being in this position, and right after i got pregnant with our son he informed me he would rather me stay home and take care of our kids rather than send them to strangers in a daycare. I had worked all my life from age 15 until we got together, so i didnt just sit on my ass! Also while I was at home taking care of him, our 2 kids, our home, even done the mowing and the weedeating on 26 acres of land that was also mine; I also handled all the paperwork, advertising, bids, estimates, payroll, taxes and anything else that needed to be done including picking up and hauling the occasional load of rock or block (masonry business) I also went back and ammended his past taxes that he had failed to file and as soon as the irs caught wind that he had married a girl that actually owned land and a home that they could put a lien on, they came straight after me for the 40,000 they wanted him to pay. after amending his past taxes i not only got his amount due down to right over 13,000, they took my earned income credit from my first child for 2 years and when our son was born they took it for another 3. thats a total of 5 years I had my refund taken to pay a debt that had nothing to do with me! Now 11 years later and now that my kids are alittle older and after having lived apart for a year and a half, and getting back together, recently i became disabled. Out of the blue woke up one morning with my right dominant hand paralized. But in order to receive HALF of the social security taxes we paid in through our small business my husband not ex, but my husband had to go sign a piece of paper to allow me to be able to draw off HALF of the earnings from a business that I bank rolled! His credit was shot when we got together, I had perfect credit, now he has basically nuked my credit, took advantage of my fathers kindness, who has paid for lawyers and handed out trucks everytime he crashes one. The time we were seperated he refused to pay child support, went to get help with that and was told there was a 9 month back log of cases but they would get us to a judge as soon as they could, but to not expect anything for at least a year!!! Now that I am disabled I need his permission to draw half. That is a crock of shit! He should need my permission. I helped do his job and raised a family and took care of a home. when your a mommy u dont get to knock off at 5 and go have a beer with the girls. at 5 my work just gets harder! So to assume that everyone's situation is the same is just assinine! I haved worked just as hard and invested more money than he has. The state law where i live says that if one spouse uses their assets or money to better the other spouse to make a better income to support their family, then that person is entitled to restitution either in the form of alimony or % of the business that was started. However, with SSI its a total different story! I feel I should be entitled to 100% of whatever was paid in with OUR money. God knows if i sold my land he would be entitled to his share! So all situations are different good for you for getting off your ass and going to work, but dont judge everyones situatuion. we could assume that you have an ex that didnt work and just lived off you! but we dont. every situatuion is different.

  • Comment Link Guest Friday, 25 May 2012 03:56 posted by Guest

    Ladies please...: #1 this page is associated with First Wives World.com.
    It is written specifically for women who were FIRST WIVES...meaning the man had never been married before.

    If you carefully read the article on the page you can easily decifer at what age and under what circumstances
    you can draw SS (NOT SSI) on an ex husband.
    This does not effect HIS SS Benefits one iota, not one single bit. He will get whatever he was going to get..what ever his situation is.
    ............................................
    Now IF he is dead everything changes.
    His first wife, second wife, third wife whatever can draw a FULL/100% widows benefit as long as they were married for at least 10 YEARS and she is NOT remarried and remains unmarried while receiving the benefits
    Conceivably a deceased man could have 5-6-7 women drawing full benefits IF he capriciously married every
    decade.
    One does not effect the other and as the article says YOUR dealings with SS are private and no one elses business. He is not notified when you file or told how much you get.
    Since women only make about 70 cents on the $1 of men and live longer this sorta evens out that pay disparity.

    And ladies quit being so catty and defensive that you weren't his first wife. You sound childish.
    There are many reasons people get divorced and 3 sides to every story. Pax

  • Comment Link Guest Thursday, 24 May 2012 20:00 posted by Guest

    sweety it doesnt efect him he plays he pays!!: i think its great when they dump you for a loser for no reason she should get it after haveing his kids taken care of him he go though chang of life and desides to leave give me a break some woman have good resasons and need it because there husband didnt want them to go to work.. i worked but i also took care of my 3 children i gave my life to my ex so shut up and you geta life!!

  • Comment Link Guest Tuesday, 22 May 2012 18:11 posted by Guest

    How old could Alissa be?: I am appalled by your comments, Alissa, and have to ask if you have yet reached the ripe old age of 25?? You are responding to a woman who was married to a man for 30 years, only worked for 1.5 of those years and stayed at home to raise their family. And you don't think she deserves to get some of his social security, being that she supported his lifestyle with love and attention to the children, maintained HIS household? She was a WIFE, MOTHER and HOMEMAKER. How is she supposed to get that back, all those years, now at the age of 66... you're telling her to get a job and support herself? I don't know how ANY woman could fix her fingers to BEGIN to type a message like that. Alissa, you're an idiot. Anne, I would appeal and get every penny you can from his social security. You EARNED it.

  • Comment Link Guest Tuesday, 22 May 2012 01:28 posted by Guest

    There are exceptions...abuse,: There are exceptions...abuse, affairs, and all that bad stuff...

  • Comment Link Guest Tuesday, 22 May 2012 01:14 posted by Guest

    I agree!!!! What happens to: I agree!!!! What happens to us! Go tell his wife to kiss off... I cant women sometimes...money hungry! Dont know how to do for them selves... Gatta take it all...how sad!

  • Comment Link Guest Tuesday, 22 May 2012 01:10 posted by Guest

    Coming from me, an x wife...: Coming from me, an x wife... I have to say I can stand women who want to.count on the x husbands benifits....it makes me sick.... You are divorced!!! Live your own life and go make your own money!!!!

    The x husband has his own life and worked hard to earn that money so he could retire in peace.....
    I never took advantage of my x husband like that.... And we have a child involved! I just got off my ass and got my own job!!!

    Really!!! Some women are so dependent on everyone else!
    Horrible!

    Alissa

  • Comment Link Guest Friday, 04 May 2012 11:11 posted by Guest

    Social Security Benefits: My former husband and I were married from 1974 through 2005. I worked during only the first year and a half of our marriage. I was a stay at home wife, mother, and homemaker. During the divorce process,
    I learned from the Social Security Administration that I had the option of collecting benefits based upon my own record at age 62 (which I did), and then would be eligible to receive benefits based upon my former husband's work record at age 66. I was told that I would receive one half of his total benefits should I wait until age 66. Recently, I completed the application for benefits based upon my former husband's work record at the local Social Security office. I was given the sum I could expect to receive monthly, and this was one half of my former husband's total benefit. I received a letter soon after letting me know that my application had been approved. Then, in April, I received another letter advising me that the benefit based upon my husband's work record was considerably less than that which had been estimated. This disparity will make a substantial difference in my life. I don't know what to do. They advised me that I had the option to appeal.

  • Comment Link Guest Friday, 20 April 2012 00:51 posted by Guest

    ex husband's ss: My ex- husband died 2 years ago. We were married 22 years and have 1 son. We were divorced for 10 years when he passed away. He had remarried and they were married for 6 years. My question is can I draw his SS when I get 62 or will she. Her income is much more than his was but mine is not. In fact I am applying for dissability. Can I draw dissability(if I get approved) and his SS also. I am 50 years old. I remarried but I am now divorced.

  • Comment Link Guest Thursday, 19 April 2012 12:04 posted by Guest

    I so agree with you. I read: I so agree with you. I read thru these comments and all I see are greedy people mostly women trying to get extra money from people they divorced and are now dead. Divorced spouses should get nothing. Most likely they already got when they divorced. Those who have remarried are still trying to figure out ways to get there dead spouse's money. They'll get a divorce just to get the money then remarry. To those who stayed at home and is using that as as excuse "Go get a job! And yes at age 65 you can still work". I am 40 and I have never had the option of staying at home to care for my children because these days everyone needs to work. I have put into the system for 21 years and I hope by the time I retire there is enough money in the system that I put into to help care for me.

  • Comment Link Guest Wednesday, 18 April 2012 15:48 posted by Guest

    Ex husband SSi Benefits: I am 70 years old and was married over 10 years. I have not remarried. When my ex passes away can I collect on his SSI and receive mine as well?d

  • Comment Link Guest Thursday, 22 March 2012 17:55 posted by Guest

    ss income: If they were married 10 years or more,she is entitled to be eligable for benefits,at age 62,unmarried. and he made more money than her. This does not affect any of what he earns or you,or your household income. He will still draw the same amount,as you will.

  • Comment Link Guest Thursday, 22 March 2012 17:47 posted by Guest

    ex husband's disability: I will be 62 soon,and was married 20 years and divorced. My ex husband is now collecting disability.He had a good job for almost 30 years before the disability,and I made less income,and was shocked at the low amount,i could draw off of his income at 62. In a SS pamphlet,in the disability handbook,it states that in some situations,a divorced spouse may qualify for benefits based on your earnings,if he or she was married at least 10 years,not currently married,and is at least 62. My question is,would the amount be different,if my ex is getting disability and why would this pamphlet,say(in some situations)? He is currently getting 2,000.00 a month for disability,and the amount I would receive a month is 597.00. at full retirement it is 830.00 Please advise.

  • Comment Link Guest Friday, 02 March 2012 17:17 posted by Guest

    widows benefits: My husband died 10 years ago. He was 50. We had been married since 1978, together for 12 years, and off and on the rest of the time. Neither one of us remarried and never divorced.I will be 60 in July. Can I collect widows ss?

  • Comment Link Guest Sunday, 26 February 2012 11:54 posted by Guest

    WHERE AM I IN THIS SOCIAL SECURITY SITUATION: I was a stay at home mom for 18 yrs. and my husband died. He was 43,, five years older than me. I remarried 10 yrs later to a man who was divorced paying alimony. We have been married for 4 yrs. and we are wondering if his ex will get his ss. they were married for 21 yrs. she pursued the divorce. Will I not get my deceased husbands SS? Will his ex get his or part of his. What exactly is the situation under these circumstances

  • Comment Link Guest Thursday, 02 February 2012 23:09 posted by Guest

    Social Security for my husband: Don't worry, whatever she gets does not change the amount that you or your husband are owed in Social Security benefits. The amounts that you and your husband earned are not kept in separate accounts and used to draw from. Instead, there is one huge general fund that all money is taken from. So like I said, if the ex is getting a benefit based on her former marriage, it does not affect what you and your husband will get -the amount is CALCULATED that way, but does not "come out" of his amount - both parties get the benefit. It works both ways - if she had a high income and he did not, HE would be eligible for ½ of her benefit, but I'll bet he was the higher wage earner, so that's why she wants to apply for ½ of his and not the other way around. Note that if she is married now, she can't get it - she has to be unmarried to get an amount that represents ½ of his amount.

  • Comment Link Guest Wednesday, 01 February 2012 12:42 posted by Guest

    Social Security for my husband?: Why would his ex get ANY money from my husband? They both worked soo why can't he get some of her Social Secuity? And if she gets half then what does that leave him with and then me? Really?

  • Comment Link Guest Wednesday, 01 February 2012 12:37 posted by Guest

    Social Security for my husband: I would like to know how much his ex will get and whats left for him to live on ? And becausse we are married how can she still get any from him..She has worked and will collect her own.Whats with collecting from him anyway? She is an ex can't he collect from her too?

  • Comment Link Guest Sunday, 29 January 2012 20:10 posted by Guest

    I feel the 10 year law should: I feel the 10 year law should be changed if you had children together and the reason for the the ending of the marriage was caused by abuse and the innocent party never remarried.

  • Comment Link Guest Friday, 27 January 2012 15:45 posted by Guest

    My sister was married to her: My sister was married to her x husband for 34 years, she is now 63 years old, he divorced her, she is now disabled and for over 10 years has been drawing ssi. Her x husband is remarried, but she has never remarried, but he started getting his disability social security about two years ago, she has been aproved now to draw $549.00 a month from his benifits, can she also draw ssi and if so how much. Can she get the the $549.00 s.s. from her x and the $689.00 a month ssi, or do they just make up the differance between them and her get $689.00 the 549 from s.s. and enough from ssi to make it 689.

  • Comment Link Guest Saturday, 21 January 2012 11:25 posted by Guest

    widows benifits:
    i was divorcded after 35 years of marriage. my ex recently died. i am remarried can i still collect widow benifits

  • Comment Link Guest Monday, 16 January 2012 18:39 posted by Guest

    SS: As a late baby boomer with the specter of the non existence of social security being gone before I retire after I paid in for over 35 years, I think the law should be changed so that you cannot collect SS unless you've paid in to the system. You made the financial decision to stay home and raise your children. Not all have that luxury, be happy you can collect from a system into which you paid less than those who have worked and paid in their ENTIRE adult life.

  • Comment Link Guest Thursday, 29 December 2011 17:59 posted by Guest

    divorced: I was married to my ex from 1977 until 1990 he will be 65 in 3-11-12 if he dies before me I am getting SSI. now for disabilaity. I am 59. will I get his SS ? We live together now but as friends! Thank you for lisening to my story. Colleen

  • Comment Link Guest Friday, 09 September 2011 12:51 posted by Guest

    Monitoring this site: I noticed that there are a lot of questions on this site, but I didn't find the answers. Is anyone monitoring this site? I'd like to know the answers to some of these questions. Thanks.

  • Comment Link Guest Wednesday, 06 July 2011 14:54 posted by Guest

    Ex-husband social security benefits: I am 65. Divorced. Would it be a benefit to wait to collect on my ex-husband social security until an older age. Would there be a penalty for collecting at 65? I am currently working full time.

  • Comment Link Guest Wednesday, 06 July 2011 14:50 posted by Guest

    Collecting ss from ex-spouse: I was born in 46. If I collect SS benefits from ex-husband if there a benefit in waiting til I am 66 or later or should I collect at 65?

  • Comment Link Guest Monday, 23 May 2011 22:57 posted by Guest

    SS benefits for divorced woman: I was married for 37 years. If I remarry after age 62 and then divorce, I can still receive SS through my former spouse. I understand that, but IF I remarry a person from Canada, ( in other words someone who does not have SS.) why can't I still receive SS from my ex, because it's the same as Not being married, as far as benefits go.

  • Comment Link Guest Sunday, 19 December 2010 18:52 posted by Guest

    Penalty for collecting late ex-husband's SS?: I was told that I can collect my late ex-husband's SS at age 66, then switch to my own SS at age 70. We were married 21 years and I have never remarried. However, my sister said a SS official told her that if I collect my late ex-husband's SS for four years, until my higher rate kicks in at 70, I have to repay the amoung I collected from his account. Is this tru?

  • Comment Link Guest Monday, 06 September 2010 02:19 posted by Guest

    Collecting 100 percent after ex's death: Can an ex collect 100 percent of her ex's if he passes away at any age. I was married to him more than 10 years and took an early retirement. At any age will I be entitled to his at 100 percent. What if I remarry? Does it end after I remarry to draw on my ex?

  • Comment Link Guest Monday, 28 June 2010 22:52 posted by Guest

    divorced and never remarried: If I start to collect at 62 at a lower rated from my ex husband (we were married for 14 years) and then at 64 or so he dies do I then get 100% of the SS benefit? after reading above is seems that is true. I would like to know for sure. Thank you.. Meg

  • Comment Link Guest Sunday, 13 June 2010 15:47 posted by Guest

    SS after divorce after married, then divorced: Was married for 25 years, divorced in 1991 was waiting untillage 66 to collect from ex-husbands income.
    Married in 2008 will divorce in 2010. Current age 64, after my upcomming divorce, will still be able to collect from 1st ex- husbands, as though I was never married,
    Could you please explain your answer
    Many Thanks
    Sonny

  • Comment Link Guest Wednesday, 12 May 2010 13:04 posted by Guest

    Remarriage: The statement of number #4 --- . If you remarry, you generally cannot collect benefits on your ex's record unless your later marriage ends (whether by death, divorce, or annulment).

    What is meant by "Generally"??? What if I am over 62, collecting on my ex, and then I remarry, and my ex is still living, -- are there any provisions for this situation?? The word "generally" in that statement implies there are exceptions. Thank you.

  • Comment Link Guest Friday, 02 April 2010 09:07 posted by Guest

    ss for divorced: My husband passed on about 8 yrs ago...I am now 56 yrs old...I remarried about 4 yrs ago.....I know that I cannot collect my late husband's ss...BUT...if I divorce my current husband will I be still able to collect my late husband's ss at age 60?

  • Comment Link Guest Sunday, 21 February 2010 22:44 posted by Guest

    social security: keep this in your records Karen

  • Comment Link Guest Monday, 13 July 2009 10:48 posted by Guest

    New wife gets half: I was married 27 years and gave him 4 children which I took care of after he left. I am going to be 65 in august and will be collecting a portion of his Social Security because his new wife of only 8 years gets the other half. Why has this not been change? It is so unfair!
    I came from a generation where we stood home and raised our children, so my Social Security is not enough. I was told there was an Article in a Newsday a while back that said they are trying to change that..do you know if this is true? If so I want to help.

    Thanks for the opportunity to vent. Please if anyone knows of this movement to change these unfair laws email me. Please put( SS for Divorced) in the subject or I will not open it if I do not know you.

    Franny