What is the split strategy for Social Security?

People often suggest a split spousal strategy as a rule of thumb. But like most rules of thumb, it's far from perfect. This strategy says married couples should have the higher earner claim at 70 while the other claims as soon as possible (age 62).

What percentage of my ex-husband's Social Security am I entitled to?

With Social Security, the longer you wait to claim, the larger the amount of monthly payments you'll generally receive on your own work record. However, your benefit as an ex-spouse will not get any larger than half your ex's PIA.

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Affidavit of Defendant Spouse in Support of Motion to Amend or Strike...

Spousal Support For Social Security In Clark

Category:

Family Law - Divorce - Affidavits

State:

Multi-State

County:

Clark

Control #:

US-00004BG-I

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Description

This is a generic Affidavit to accompany a Motion to amend or strike alimony provisions of a divorce decree because of the obligor spouse's changed financial condition. This form is a generic example that may be referred to when preparing such a form for your particular state. It is for illustrative purposes only. Local laws should be consulted to determine any specific requirements for such a form in a particular jurisdiction.

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FAQ

This Social Security Spousal Rule Finally Fizzled Out in 2024 — But These 3 Strategies Remain. A Social Security spousal rule that was around for decades ended this year for the last eligible retirees — those who turned 70 on Jan. 1, 2024.

If you are age 62, unmarried, and divorced from someone entitled to Social Security retirement or disability benefits, you may be eligible to receive benefits based on his or her record. To be eligible, you must have been married to your ex-spouse for 10 years or more.

The first exception, which can be deemed as the Social Security spousal benefits loophole, works where an individual who remarries at 60 or later may still be entitled to Social Security survivors' benefits if the second marriage ends before the death of the first spouse.

The short answer to your question is no, your ex-wife will not be entitled to any portion of your disability. SCOTUS cases Howell and Mansell govern. Your disability cannot be divided (similar to how a military retirement can be divided) - not even by agreement, although you should never agree to do so.

People often suggest a “split” spousal strategy as a rule of thumb. But like most rules of thumb, it's far from perfect. This strategy says married couples should have the higher earner claim at 70 while the other claims as soon as possible (age 62).

Social Security benefits for a divorced spouse are calculated based on the ex-spouse's earnings record or their own earnings record, depending on which one is higher. You're entitled to half of your ex's benefits if you start collecting once you reach your full retirement age (FRA).

In addition, to be eligible for spouse's benefits, you must be one of the following: 62 years of age or older. Any age if you have a child who is younger than 16 in your care or has a disability and is entitled to benefits on your spouse's record.

With Social Security, the longer you wait to claim, the larger the amount of monthly payments you'll generally receive on your own work record. However, your benefit as an ex-spouse will not get any larger than half your ex's PIA.

More info

By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office. If you are more than one year past full retirement age, go to question 14.Spouse's Social Security number (If none or unknown, so indicate). 13. Your full spouse's benefit could be up to onehalf the amount your spouse is eligible to receive at their full retirement age. If you're looking to file for spousal benefits based upon your spouse's benefits history, you'll need to file Form SSA-2. You can apply for Social Security spousal benefits online, as long as you're within three months of turning 62 or older. To apply for divorced spouse benefits, you'll need to provide proof of your marriage and divorce, as well as your ex-spouse's Social Security number. When a worker files for retirement benefits, the worker's spouse may be eligible for a benefit based on the worker's earnings. Unlike people who are still married, divorced recipients do not need to wait for an ex-spouse to claim their Social Security to receive spousal benefits. Coordinating your benefits with your spouse's benefits can help you both get the most out of your Social Security payments.

Spousal Support For Social Security In Clark

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FAQ

Is the Social Security spousal rule officially finished in 2024?

Am I entitled to my husband's Social Security if I get divorced?

What is the loophole for Social Security spousal benefits?

Can my ex-wife get half of my disability?

What is the split strategy for Social Security?

What percentage of Social Security benefits does a divorced spouse get?

When can a spouse claim spousal benefits for Social Security?

What percentage of my ex-husband's Social Security am I entitled to?

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