
Can I collect spousal benefits and still work? You can collect benefits on a spouse's work record regardless of whether you also worked. If you are eligible for both your own retirement benefit and a spousal benefit, Social Security will pay you the higher of the two amounts.
Can I collect both retirement and survivors benefits?
You could receive the full amount of the survivor benefit up to your month of Full Retirement Age, and then switch over to your own retirement benefit. The reason you’re able to make this switch is because the survivor benefit and your own retirement benefit are unaffected by the deeming rules.
Can I collect Social Security benefits from two ex-spouses?
And if your ex-spouse has one or more other ex-spouses who have also not remarried, that will not reduce your benefits . When you file for benefits, the Social Security Administration gives you the larger of your own benefit or an ex-spousal (or spousal) benefit.
Can my spouse collect Social Security before I retire?
No. You have to be receiving your Social Security retirement or disability benefit for your husband or wife to collect spousal benefits. When can a spouse claim spousal benefits? You can claim spousal benefits as early as age 62, but you won’t receive as much as if you wait until your own full retirement age.
What other benefits can I collect while on SSDI?
What Other Benefits Can I Collect While on SSDI? If you have a disability that prevents you from working, then you are probably receiving SSDI benefits (Social Security Disability Insurance). Alas, if you’re like many people who get money from government in this way, you probably struggle to live off the amount you receive.

How much can I earn while collecting spousal benefits?
Usually, if you are under full retirement age when you start getting your Social Security payments, $1 in benefits will be deducted for each $2 you earn above the annual limit. For 2020 that limit is $18,240. However, there is an important exception to the above rule.
What are the rules for spousal benefits of Social Security?
Who is eligible for spousal Social Security benefits?You must have been married at least 10 years.You must have been divorced from the spouse for at least two consecutive years.You are unmarried.Your ex-spouse must be entitled to Social Security retirement or disability benefits.More items...•
Can I collect spousal benefits and wait until I am 70 to collect my own Social Security?
You can only collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.
Will Working decrease my spousal survivor benefit?
No, the effect that working has on benefits is only on the benefits of the person who is actually working. It will have no effect on the benefits received by other family members. Learn more about survivors benefits for spouses and survivors benefits for divorced spouses, including the eligibility requirements.
Can my wife collect spousal Social Security benefits before I retire?
No. You have to be receiving your Social Security retirement or disability benefit for your husband or wife to collect spousal benefits.
How does the spousal benefit work?
The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit.
Does a wife get 50 of husband's Social Security?
You can receive up to 50% of your spouse's Social Security benefit. You can apply for benefits if you have been married for at least one year. If you have been divorced for at least two years, you can apply if the marriage lasted 10 or more years.
Can I collect my deceased husband's Social Security and still work?
If you work while getting Social Security survivors benefits and are younger than full retirement age, we may reduce your benefits if your earnings exceed certain limits. The full retirement age for survivors is 66 for people born in 1945-1956.
What is the best Social Security strategy for married couples?
3 Social Security Strategies for Married Couples Retiring EarlyHave the higher earner claim Social Security early. ... Have the lower earner claim Social Security early. ... Delay Social Security jointly and live on savings or other income sources.
What is the difference between spousal benefits and survivor benefits?
Spousal benefits are based on a living spouse or ex-spouse's work history. Survivor benefits are based on a deceased spouse or ex-spouse's work history. The maximum spousal benefit is 50% of the worker's full retirement age (FRA) benefit.
How long does a widow receive survivor benefits?
for lifeWidows and widowers Generally, spouses and ex-spouses become eligible for survivor benefits at age 60 — 50 if they are disabled — provided they do not remarry before that age. These benefits are payable for life unless the spouse begins collecting a retirement benefit that is greater than the survivor benefit.
When can a widow collect her husbands Social Security?
age 60The earliest a widow or widower can start receiving Social Security survivors benefits based on age will remain at age 60. Widows or widowers benefits based on age can start any time between age 60 and full retirement age as a survivor.
What happens if your spouse's retirement benefits are higher than your own?
If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. Here is an example: Mary Ann qualifies for a retirement benefit of $250 and a spouse’s benefit of $400.
When will my spouse receive my full retirement?
You will receive your full spouse’s benefit amount if you wait until you reach full retirement age to begin receiving benefits. You will also receive the full amount if you are caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled.
How old do you have to be to get spouse's Social Security?
To qualify for spouse’s benefits, you must be one of these: At least 62 years of age.
What is the "collect now and later" policy?
This "collect now and later" strategy provides some income in the present while locking in a higher benefit for later. However, due to changes in the Social Security rules that were signed into law in November 2015, only those who reached age 62 on or before Jan. 1, 2016, can file a restricted application for spousal benefits to utilize this ...
What is the threshold for spousal support?
The threshold is $17,640 as of 2019. But if you're owed an additional amount because the spousal benefit is larger than your own when your spouse files, this additional amount will automatically be given to you.
What happens to Kara's Social Security at age 70?
Then, at age 70, she retires and switches to her own, now much larger Social Security benefit. Keep in mind that if Kara was to continue working up until her FRA, she would lose $1 of her benefits for every $2 she earned over a certain income threshold. The threshold is $17,640 as of 2019.
When was Kara born?
Kara was born on or before Jan. 1, 1954, so she files a restricted application for Social Security spousal benefits based on Bob’s earnings record. She collects her spousal benefit while working for the next four years. Then, at age 70, she retires and switches to her own, now much larger Social Security benefit.
What is the "file and suspend" approach?
The Bipartisan Budget Act of 2015 actually eliminated two claiming strategies for a good number of Americans—restricted applications as well as the "file and suspend" approach—unless you're a widow or widower or were born on or before the Jan. 1, 1954, deadline.
Who is Dana Anspach?
Dana Anspach is a Certified Financial Planner and an expert on investing and retirement planning. She is the founder and CEO of Sensible Money, a fee-only financial planning and investment firm. Roger Wohlner is a financial advisor and writer with 20 years of experience in the industry.
Can married couples get more Social Security?
Married couples might be able to receive more income from Social Security by looking at their options as a couple rather than as two individuals. You have a claiming option available that's sometimes referred to as "double-dipping" if one of you was born on or before Jan. 1, 1954. This "collect now and later" strategy provides some income in ...
What happens if you apply for widow's survivor benefits?
If you apply for a widow’s survivor benefit before reaching your full retirement age, the earnings test will be in effect. Its exact impact on your benefits depends on how much wage income you earn and on how big your benefit would be.
What is the restoration of benefits lost to the earnings test?
The restoration of benefits lost to the earnings test is associated with the specific benefit you’re filing for. In your case, it’s a survivor’s benefit. So, any future restorations will be to your survivor’s benefit. Your note says you are still working and don’t plan to retire for at least a few years.
How much is the federal government withholding for a 66 year old?
During the year in which you turn 66, but before your birthday, it will withhold $1 in benefits for every $3 of earnings in excess of the higher exempt amount.
How old do you have to be to get Medicare?
Medicare rules say that small employers with fewer than 20 employees can require their employees at age 65 to get Medicare. At that time, the employer’s insurance becomes the secondary payer of claims and Medicare becomes the primary payer.
When can I file for survivor benefits?
One possibility I’d suggest you consider is to wait until you turn 66 (your full retirement age) to file for the survivor benefit. This will avoid the earnings test and provide you your maximum survivor benefit. If you can afford it, delay filing for your own retirement until age 70.
Can a widow receive child benefits if she passed away?
And because he passed away, a widow’s benefit is the benefit in question, not an ex-spousal benefit. Child benefits are only available to children aged 19 or younger, unless they are disabled. If your daughters are older than this and not disabled, they would not be eligible for benefits.
Does Part A charge Social Security premiums?
Part A charges no premiums for people who qualify for Social Security. While your client does not qualify for premium-free Part A on her own earnings record, she would qualify on her ex-husband’s record if she also qualifies for Social Security divorce benefits.
Can I work before retirement to lower my SSDI?
Working before retirement age may lower your SSDI-based widow's benefits. By Lorraine Netter, Contributing Author. Can you work and receive a spouse's survivors benefits based on your deceased spouse's SSDI disability benefits? The simple answer to this question is: It depends.
Can you work on a child who is on survivors benefits?
The work limitation can be applied to any individual who is receiving survivors benefits. While it is less likely that a child who is enrolled in school full time will exceed the annual limit, it is possible that an elderly parent who is not of full retirement age might.
Does working affect disability benefits?
No, the effect that working has on benefits is only on the benefits of the person who is actually working. It will have no effect on the benefits received by other family members. Learn more about survivors benefits for spouses and survivors benefits for divorced spouses, including the eligibility requirements. Talk to a Disability Lawyer.
Do you lose Social Security if you work?
Generally, your benefits are not permanently lost when Social Security decreases the amount you receive due to work. The money that you are not receiving will be added to your benefit when you reach your full retirement age. However, the money you lost due to working will be added back to your monthly benefits gradually over a period of years.
