Divorce for Seniors: The Effects on Social Protection Benefits

10 Year Rule. Benefits are calculated centered on the monthly normal earnings of the coated human being. A spouse can acquire benefits centered on his or her possess work document or that of a wife or husband. For a husband or wife who has not labored or experienced very low wages, then the reduced-earning partner is entitled to as considerably as 1-50 % of the retired worker’s entire reward referred to as the Major Insurance plan Sum (PIA). Suitable staff who are fully insured contributors in the Social Security procedure will acquire the better of their own PIA or 50% of the gain of the wife or husband if it is bigger.

Case in point: If a Sally has a PIA calculated at $250 for every thirty day period and her spouse Jack has a PIA of $1,000 for each month, then Sally is qualified for a reward of $500 for every thirty day period (or 50% of Jack’s larger PIA).

Divorced spouses who have been married for at least 10 yrs are qualified for rewards primarily based on the PIA of the other spouse.

To begin acquiring advantages, 1 has to be at minimum age 62 and not remarried. If the ex-wife or husband remarries, then rewards will be calculated and compared to the PIA of the new husband or wife. If that marriage ends by loss of life or divorce, the ex-partner may be qualified to PIA dependent on the prior marriage.

The amount of money of rewards that an ex-spouse receives does not influence the reward available to the other husband or wife.

Possibly wife or husband who is at least age 62 and been divorced for at the very least two many years may begin to accumulate advantages even if not nonetheless retired.


Which of the following persons is qualified for retirement benefits below her very first husband’s retirement added benefits provision of Social Stability?

A.) Helen, age 62, married from 1966 to 1980 whose ex-spouse was utilized from 1963 by 1998. Helen obtained divorced in 1995, never ever remarried and her ex-partner has died.

B.) Jane, age 62, was married from 1969 to 1983. Her 1st spouse was used from 1963 to 2000. Jane has remarried, divorced and remarried yet again.

C.) Judy, age 63, was married from 1961 to 1990 to her initial husband who was employed from 1968 to 2003. Immediately after the divorce she remarried in 1993 to her second spouse who sooner or later died in 2004.

D.) Emily, age 60, was married to her very first partner from 1963 to 1988. She remarried in 1994. Her spouse experienced worked from 1968 to 1998.

E.) Susan, age 68, was married from 1980 to 1988 to her initially husband who had been utilized from 1963 to 2003. She remarried and divorced her next spouse right after 6 years.

Dependent on these illustrations, only Helen (illustration A) is qualified to gather a benefit primarily based on her very first husband’s perform record. They experienced been married for more than 10 many years, divorced for at minimum 2 yrs and is eligible centered on age (about 62).

Jane (instance B) is not qualified to obtain centered on the to start with partner because she is remarried.

Judy (case in point C) can acquire beneath her second spouse.

Emily (instance D) is not however eligible to collect for the reason that she is under age 62.

Susan (instance E) is not qualified simply because she has been married for fewer than 10 several years to both husbands. She would have to rely on her very own get the job done record for calculating her PIA.

For personalized support, you should seek the advice of with a qualified economical specialist who has been trained in managing the special spot of divorce economical arranging this kind of as a Certified Financial PLANNER (TM) expert or Qualified Divorce Financial Analyst.

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