Social Security Divorce Benefits MADE EASY

Understanding Social Security ex-spouse benefits is not the first thing that comes to mind when two people are going through a divorce. But later, after the smoke has cleared, it can be a life saver for the ex-spouse.

This video covers everything you need to know about Social Security Divorcee benefits and covers both Spousal and Survivor benefits. It also covers off the benefit if the primary filer takes Social Security benefits early, at full retirement age, or late. Finally, the video shows how the ex-spouse can file for Social Security spousal benefits even if the primary insured has not yet filed.

Important Links:

Federal Reserve Board Survey of Consumer Finances:

Social Security Administration Application for Benefits

Current Social Security Cost of Living Adjustment

Social Security Payment Estimator

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Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.

[christainjames]

I came across your channel through this video—case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

[euphemiat]

Yay! This is just what I was looking for.

[surrelljr]

Sad to see this system get gutted, it used to be non taxable, now you get taxed on money you were taxed on in the first place. My former boss started drawing at 62 in the 90’s he and his wife were married in the early 1950’s, she was getting dementia then had a massive stroke. She went into an old folks center and my boss found out he could also draw hers, she was a stay at home mom and qualified because she worked in a malt shop in the 1950’s. Can’t do that anymore. It’s been cut down in installments for quite awhile, by the same people who get good retirement for being lawmakers. I’m glad I’m getting old and won’t have to deal with it anymore.

[SoulMaeven]

I have called ssa many times this year and every single time I call the ssa employee gives me misinformation on ex spousal benefits! Thank you for this clarity!

[thriftypenny]

Thank you Mr Schmidt. 17 months to go....

[tedeljames]

Thank you! Your explanation of complex rules is so clear and concise. It helped me tremendously!

[eb]

Thank you, this video is easy to understand😊

[mamat]

How does the divorced spouse identify whose benefit would be hire? Thank you for the great content!

[loripound]

Enjoy your telling spousal benefits, I’ve been disabled since 2003 about to turn 62 this month, wondered how that could affect my benefits. I had hoped after watching your video to ask your opinion?

[donnalmich]

I was married 12 years, I never remarried, my ex husband has just applied, for his social security at age 70. I am 74, and have been on social security since age 62. Question: If my EX dies, will i get my EX’s amount at age 70? Or will i only get the amount that he would
have gotten at FRA AGE?
AGE 66 amount or his current amount of age 70?
Thank you!

[ErikaRodriguez-xu]

I thank my sister for sending me the link to this information.
I also thank the maker of this video for providing me with the information as well.

[grny]

This is different than anything I've been told. My SIL is collecting 1/2 of my brothers SS amt plus her own. They had to have been 10 years & not be currently married to anyone else.

[judyd.]

Hi there, this is the most informative video I have seen. I have one question. If I retire at 62, will social security be comparing my x's full retirement benefit with my benefit at 62 to decide if I qualify for x spousal benefits?

[petekelvin]

Nice content. I don't know who, but someone actually needs to hear this, you've got to stop saving all your money. Venture into investing some, if you really want financial stability

[cmtangela]

Are pension plans taken into account at all in the equation? Thanks for the video!

[commonsense]

I started drawing half of my ex-spouse's benefit when I was age 66; I filed a restricted application, allowing my own SSA benefit to grow at 8% annually. Now, in a few months, I'll apply to drop my ex-husband's half benefit in favor of my own (at age 70) which will be more, at that point. Then, when/if my ex-husband dies prior to me, I will be able to collect his full retirement benefit, according to SSA. I know they've done away with restricted applications for younger people, but so many SS recipients my age don't know anything about their eligibility for this.

[paulcummings]

It seems like you mispoke on one aspect- you seem to say that if the primary earner took SS AFTER his FRA, the surviving spouse (at full retirement age) only gets 100% of the Primary Earner's FRA amount. However, everywhere else I have read and heard, says that the surviving spouse gets 100% of what the Primary Earner was getting (or entitled to) at the time of his/her death, which includes any Delayed Credits being added to his/her FRA amount, which is unlike the Spousal Benefit, which is capped by the FRA amount regardless if the Primary Earner claimed SS after his FRA.

[LA-ifrz]

I was told I could receive my ex spouse benefit’s at 60 yrs. My my income would effect what I receive, -$2 in the difference.

[pgpc]

I was told my pension which creates the Windfall Elimination Provision (WEP), prevents my ex spouses SSA benefits of a 23 yr marriage from being added to my FRA benefits. Not sure why.

[zebrahead]

What year of marriage is divorce most common?
While there are countless divorce studies with conflicting statistics, the data points to two periods during a marriage when divorces are most common: years 1 – 2 and years 5 – 8. Of those two high-risk periods, there are two years in particular that stand out as the most common years for divorce — years 7 and 8. Hi, I think this "10 year rule" is ridiculous, considering the statistics and that it doesn't include time of co-habitation as well. Curious, what are your thoughts?