retirement

Social Security benefits on ex's record

Retirement » Social Security Benefits On Ex's Record

Does it matter if I remarry?
Next
Slide 3 of 6
Back
Does it matter if I remarry?

If you were married to a higher-earning spouse for decades, and then you endured a brief but unsuccessful marriage to someone else, one consolation is that at least you haven't permanently lost your Social Security benefits from the first marriage partnership.

You cannot take benefits on an ex-spouse's record while you are married to someone else. But if you remarry and then you divorce again, after two years you are eligible to apply for benefits from the prior spouse again.

Betty Perrin (not her real name) had more than one ex and was able to maximize her benefits. Her second husband, Tom, passed away while she was married to her third husband, Walter. Even though Walter made a higher income, much of it was not subject to Social Security taxes. Betty received a higher benefit under Tom's record, which illustrates how important it is to check out all the alternatives before you decide whose benefit record to use.


Next
Slide 3 of 6
Back

 

 

 

advertisement

Show Bankrate's community sharing policy
          Connect with us
advertisement
CD & INVESTING NEWSLETTER

Learn the latest trends that will help grow your portfolio, plus tips on investing strategies. Delivered weekly.

Blog

Jennie Phipps

Stopping work your way

A recent study shows that boomers intend to work longer and they want to do it on their own terms, but many employers aren't yet on the same wave length.  ... Read more

advertisement
Partner Center
advertisement

Connect with us