If you are collecting, or eligible for, Social Security disability benefits, your spouse or even your ex-spouse may be able to get dependents benefits, depending on his or her age and whether you have minor children.
If you begin to receive SSDI benefits, your spouse may also be eligible for benefits on your earnings in the following situations. Your spouse is 62 years or older. If your spouse is 62 years or older when you start receiving disability benefits, he or she can also get a monthly benefit based on your earnings record unless he or she can get a higher benefit amount on his or her own record. But if your spouse collects a spousal benefit before full retirement age, the early retirement penalty will permanently lower his or her benefit.
This does not apply to those caring for a child under 16 who is eligible for a child's benefit. Your spouse is caring for your minor child.
Your spouse can get benefits if he or she cares for your child who is under the age of While a child's dependent benefits continue until age 18, your spouse's benefits will stop when your child turns 16, unless your spouse becomes eligible for retirement or widower s benefits. Note that the early retirement penalty does not apply to those caring for a child under However, if your spouse works while collecting benefits based on caring for a child under 16, Social Security may take away some of the spousal benefit.
This can lower the spousal benefit to zero. Your spouse is caring for your disabled child. If your spouse is caring for your child who is disabled and collecting Social Security benefits, your spouse can get dependents benefits even if your child is over 16 or an adult.
Your child has to be in your spouse's care for your spouse to collect benefits. You have been married for at least a year. You are at least 62 unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply.
The chief criteria to qualify for survivor benefits are: You were married to the deceased for at least nine months unless the death is accidental or occurs in the line of military duty, in which case there is no minimum time period. Keep in mind Your spousal benefit is not affected by the age at which your husband or wife claimed Social Security benefits.
With survivor benefits, if your late spouse boosted his or her Social Security payment by waiting past FRA to file, your survivor benefit would also increase. Your spousal or survivor benefits may be reduced if you are under full retirement age and continue to work. Social Security is phasing in the FRA increase differently for different types of benefits.
For retirement and spousal benefits, full retirement age will reach 67 for people born in and after. Updated March 26, Is there a limit on Social Security benefits for married couples? Can same-sex married couples get Social Security benefits?
If your ex has not yet applied for retirement benefits but can qualify for them, you can receive benefits based on the ex-spouse's earnings record, provided you meet the other requirements and have been divorced for at least two years. You can apply for benefits online by going to SSA. When you apply for spousal benefits as a divorced spouse, Social Security will assume you are also applying for benefits on your own work record, and you'll be eligible for the higher amount of the two.
If your benefit is lower, Social Security will first pay you an amount based on your record, then make up the difference between that and what you're eligible for on your ex-spouse's record. If you were married for at least 10 years, you may be able to collect Social Security benefits based on your ex's work record.
Filing for these benefits is a fairly straightforward process, and to protect your privacy, your ex-spouse won't be notified when you do. Social Security Administration. National Academy of Social Insurance. Portfolio Construction. Social Security. Your Privacy Rights. To change or withdraw your consent choices for Investopedia. At any time, you can update your settings through the "EU Privacy" link at the bottom of any page.
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If you were born before Jan. This option, called filing a restricted application, is not available if you were born after the date. If you receive a pension from an employer that did not withhold Social Security taxes like a government , your benefits may be reduced according to the Government Pension Offset GPO. Your Guide to Roth Conversions.
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