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Old 06-07-2011, 01:05 PM   #1
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SSDI & ex-husband SS benes

I am a 55 1/2 yo woman on SSDI.
I was married for 14 yrs to a man who is currently 60 yo. I have never remarried, however, he has. Will there be a point when I can collection ADDITIONAL monies/benefits from HIS social security? He still is working.
Just trying to plan my future................Living on SSDI alone is nearly impossible.

Thanks in advance to anyone who can assist me!

 
Old 06-07-2011, 01:30 PM   #2
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Re: SSDI & ex-husband SS benes

I am really not sure. However, Logically I would think no. Because you are not married to him anymore, AND you are an adult. You can go to the Social Security Website and type in this question on the search tab. You may find the answer there, or you can call the 1-800-772-1213 social security number.

 
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Old 06-07-2011, 01:34 PM   #3
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Re: SSDI & ex-husband SS benes

If divorced, you can receive benefits based ex-spouse’s work if—
*Marriage lasted 10 years or longer;
*You are unmarried;
*You are 62 or older;
*The benefit you are entitled to receive based on your own work is less than the benefits you would receive on your ex-spouse's work; and
*Your ex-spouse is entitled to Social Security retirement or disability benefits.

If he/she has not applied for benefits, but can qualify for them and is age 62 or older, you can receive benefits on his/her work if you have been divorced from him for at least two years.

THUS, you don't get additional benefits off ex-spouse's retirement benefits if you have SSDI. You can get the greater of your SSDI or SS Retirement benefit or the benefit you can get under his/her retirement.
*If your SSDI is $900/mo but you can get $1100 under ex-spouse's SS Retirement benefit then you opt for benefits under the ex-spouse's record.

If you have SSDI, you likely would have qualified for SS Retirement under your own work record. If so, you also get the greater or your SS Retirement or Ex-Spouse SS Retirement, not both.

You can always call SS to clarify the above if it's not what you felt would occur.

http://www.ssa.gov/pubs/10127.html
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Old 06-07-2011, 01:46 PM   #4
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Re: SSDI & ex-husband SS benes

My situation is very similar. I was married for 16 years. He remarried, I did not.

This is the way it was explained to me, when I filed for SSDI: If you are married for at least 10 years, divorce and do not remarry, this is what happens when you retire - you will get 50% of your spouse's benefit, or 100% of your benefit, whichever is higher.

My SSDI monthly amount is based on my earnings. When I retire, and switch from SSDI to retirement, they will check his earnings to see which will be higher.

 
Old 06-07-2011, 02:17 PM   #5
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Re: SSDI & ex-husband SS benes

Gayle said it better than I did! If your SSDI is over around $1300/mo it's likely your SSDI / SSR will he more than 50% of your ex spouse's retirement or disability (if he/she is disabled before retirement age.
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Old 06-07-2011, 03:03 PM   #6
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Re: SSDI & ex-husband SS benes

I was reading about the changes to SS retirement ,that if you opt for early at 62 ,the beneft amount wll not change when you reach 65, it will stay the same,
this was on the offical website ,has anyone else heard this ?

 
Old 06-07-2011, 03:31 PM   #7
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Re: SSDI & ex-husband SS benes

Cap:

That's not a change, it's the way it has always been

Workers have 3 options:
(1) early retirement (as early as 62)
(2) full retirement (SSNRA based on your date of birth, link for that below)
(3) late retirement (deferring to no later than age 70 and benefit is higher)

If you take early retirement, you can collect SS Retirement as early as age 62. And you are "locked in" to that benefit amount for life. If you choose early retirement, your monthly benefit will be permanently reduced because you will be getting more checks for a longer period of time than a person who delays benefits until SSNRA or 70.

With full retirement, you wait until your SSNRA (Social Security Normal Retirement Age which is based on year of birth). http://www.ssa.gov/OACT/ProgData/nra.html

Late retirement is deferring until after full retirement age and benefit is higher than it would be at SSNRA.

Each of these options comes with a different calculation for how much will be in your monthly payment. You can retire at any time between 62 and 70, with your benefits prorated to reflect your age.

For example, your expected SSR benefit is $1,000 a month at your normal retirement age of 66. If you retire at 62, you get a reduced benefit of $750. But if you waited until 70, you would get $1,320.

IF you are on SSDI, then your SSDI converts automatically to SSR at your normal retirement age. You don't get SSR in addition to SSDI.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 06-07-2011, 03:57 PM   #8
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Re: SSDI & ex-husband SS benes

Quote:
Originally Posted by SpineAZ View Post
Cap:

That's not a change, it's the way it has always been

Workers have 3 options:
(1) early retirement (as early as 62)
(2) full retirement (SSNRA based on your date of birth, link for that below)
(3) late retirement (deferring to no later than age 70 and benefit is higher)

If you take early retirement, you can collect SS Retirement as early as age 62. And you are "locked in" to that benefit amount for life. If you choose early retirement, your monthly benefit will be permanently reduced because you will be getting more checks for a longer period of time than a person who delays benefits until SSNRA or 70.

With full retirement, you wait until your SSNRA (Social Security Normal Retirement Age which is based on year of birth). http://www.ssa.gov/OACT/ProgData/nra.html

Late retirement is deferring until after full retirement age and benefit is higher than it would be at SSNRA.

Each of these options comes with a different calculation for how much will be in your monthly payment. You can retire at any time between 62 and 70, with your benefits prorated to reflect your age.

For example, your expected SSR benefit is $1,000 a month at your normal retirement age of 66. If you retire at 62, you get a reduced benefit of $750. But if you waited until 70, you would get $1,320.

IF you are on SSDI, then your SSDI converts automatically to SSR at your normal retirement age. You don't get SSR in addition to SSDI.
Thanks, didn't know that , I always used to hear people say that it would be more when they reached 65, I guess if you don't know ,you just don't know . Thanks for your answer

 
Old 06-07-2011, 04:02 PM   #9
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Re: SSDI & ex-husband SS benes

Yep, by saying "it will be more at 65" means the benefit amount will be higher if they hold off until 65 / SSNRA before filing for the benefit. Remember that 65 is no longer the standard retirement age, it varies. I was born in 1966 so my SSNRA is 67. If I opt for SS Retirement any time before age 67 I will permanently have a reduced SS amount.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

Last edited by SpineAZ; 06-07-2011 at 04:03 PM.

 
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