Social Security: 7 Things Every Woman Should Know About

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If You’re Divorced, You May Still Receive Your Ex’s Benefits

Does a divorced person lose all the financial benefits that come with marriage? That’s not always the case. At least when it comes to Social Security. If you were married for at least 10 years, you may be eligible for Social Security based on your ex’s work record. This applies if you’re unmarried and not eligible for a higher benefit on your own earnings record when you become entitled to Social Security.

Another thing to take into account is that some women sign divorce decrees giving up their rights to Social Security on their ex’s record. Well, these kinds of clauses in divorce decrees are rarely applied.

Basically, the same payment conditions apply to divorced wives and widows as to current wives and widows. Most divorced women receive their Social Security benefits while their ex is alive, but they can request a higher widow’s rate when the ex dies.

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7 thoughts on “Social Security: 7 Things Every Woman Should Know About”

  1. Why do teacher who have retired under California social security rules don’t qualify for social security benefit’s?

  2. i AM 90 YRS OLD, FEMALE
    i START DRAWING MY S.S. AT 62 YRS . mY HUSBAND ID STILL LIVING AND 90YRS OLD. cAN i DRAW 1/3 OR 1/2 OF HIS SS

  3. I am a widow I made more than my husband so I had to retire under my earnings, Is there anyway of any other ss for me since he passed six years ago? I am almost 73/

  4. Dinah Tallman-Wright

    My husband passed in 2017. He would be 65 June 2023. I am his wife. I will be 60 Nov. 11 2022. Can I start collect his ssa in 2023 when he is 65?

    1. You can file for survivors benefits at age 60. You don’t have to wait. I was going to begin drawing ss and keep working at 62. They came back to me and offered survivors benefits which were more than mine. My husband died at 55 in 2015. I could have been collecting for the last 2 years had I known. File for it baby!

    2. I worked for Social Security for 37 1/2 years and retired in 2006. You can begin collecting widow’s benefits at age 60 if you are not working and earning more than the allowable limit. Check with your Social Security office – depending upon how much you and your husband each earned, you may want to switch from the widow’s rate to your own Social Security rate when you reach full retirement age or when you reach age 70.

  5. I was married for 24 years and now divorced and
    never remarried. Can I get social security from my ex husband. ? I collect STRS but never paid into social security.

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