Kamis, 04 April 2013

Can collect social security benefits based on your Ex-spouse's income?

Married couples can claim social security benefits through your own work record or their spouse work and earn the record when they reach certain thresholds of age. Many people do not realize that they may be able to claim benefits from a former spouse, even though they were divorced several years ago. The possibility of making a complaint does not require an attorney or reopening any settlement already finalized in the past or even contacting the former spouse. So, you have the right amount of insurance primary spouse ex (PIA), which is the amount that he or she has the right to claim normal retirement age at 50%.

This claim to the portion of the benefit does not reduce the benefit of the former spouse or current spouse may also qualify for spousal benefits. The application is independent of these relationships.

These requirements must be met in order to make a claim of success:

your former spouse currently entitled to receive social security or disability
You and your former spouse had been married for at least ten years before the divorce became final
are not currently married
You are age 62 or older and
you do not have the right to collect a retirement benefit or disability based on a PIA (the record) that is equal to or exceeds half of the pious of the ex-spouse.
If you are age 62 or older, and you have been divorced for at least two years, you can receive benefits immediately (based on earnings of your former spouse) regardless of whether the spouse chose to retire has filed an application for social security benefits. But be aware that it will reduce as much as the 25 per cent the benefit that you may have been entitled to receive based on your earnings record at full retirement age.

If your former spouse has died, you may be entitled to a benefit greater than that just described above. You must meet these requirements to qualify:

Your former spouse was entitled to social security benefits
You and your former spouse had been married to each other for at least ten years before the divorce is finalized
You are 60 years of age or more (or are aged between 50 and 60 and are disabled)
Currently I’m not married to
Not entitled to a pension benefit that is equal to or greater than 100 percent of the benefit of the deceased spouse.
If you meet the above conditions, you will get full benefit of the widow, which means you can collect an amount equal to 100 percent of PIA of the former spouse, not just a half. There is a reduction for each month you are under full retirement age. In other words, at the age of 60 years, the benefits will be 71.5% of PIA of deceased ex-spouse.

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