Divorce for Seniors: The Effect on Social Safety Added benefits

10 Year Rule. Added benefits are calculated primarily based on the every month ordinary earnings of the protected human being. A wife or husband can obtain rewards dependent on his or her have get the job done record or that of a wife or husband. For a husband or wife who has not worked or had lower wages, then the reduce-earning husband or wife is entitled to as considerably as just one-50 percent of the retired worker’s whole benefit referred to as the Key Insurance plan Amount of money (PIA). Qualified personnel who are thoroughly insured members in the Social Safety program will acquire the better of their personal PIA or 50% of the reward of the wife or husband if it is greater.

Example: If a Sally has a PIA calculated at $250 for each month and her wife or husband Jack has a PIA of $1,000 for every thirty day period, then Sally is suitable for a profit of $500 for every thirty day period (or 50% of Jack’s larger PIA).

Divorced spouses who have been married for at the very least 10 years are qualified for added benefits primarily based on the PIA of the other partner.

To commence getting advantages, 1 has to be at least age 62 and not remarried. If the ex-husband or wife remarries, then added benefits will be calculated and when compared to the PIA of the new partner. If that relationship finishes by death or divorce, the ex-partner may be eligible to PIA based on the prior relationship.

The sum of added benefits that an ex-wife or husband receives does not effects the advantage offered to the other spouse.

Possibly spouse who is at the very least age 62 and been divorced for at minimum two decades may perhaps start off to acquire added benefits even if not still retired.


Which of the adhering to individuals is eligible for retirement positive aspects underneath her initially husband’s retirement advantages provision of Social Security?

A.) Helen, age 62, married from 1966 to 1980 whose ex-husband was utilized from 1963 via 1998. Helen got divorced in 1995, by no means remarried and her ex-spouse has died.

B.) Jane, age 62, was married from 1969 to 1983. Her initially partner was utilized from 1963 to 2000. Jane has remarried, divorced and remarried all over again.

C.) Judy, age 63, was married from 1961 to 1990 to her 1st partner who was employed from 1968 to 2003. Following the divorce she remarried in 1993 to her second husband who finally died in 2004.

D.) Emily, age 60, was married to her initial spouse from 1963 to 1988. She remarried in 1994. Her husband experienced labored from 1968 to 1998.

E.) Susan, age 68, was married from 1980 to 1988 to her 1st spouse who had been employed from 1963 to 2003. She remarried and divorced her second partner just after 6 a long time.

Based mostly on these examples, only Helen (example A) is suitable to acquire a benefit based on her first husband’s do the job history. They experienced been married for a lot more than 10 several years, divorced for at least 2 years and is suitable centered on age (more than 62).

Jane (case in point B) is not suitable to accumulate primarily based on the initially partner because she is remarried.

Judy (case in point C) can collect under her second partner.

Emily (case in point D) is not nonetheless qualified to collect mainly because she is underneath age 62.

Susan (instance E) is not suitable since she has been married for fewer than 10 yrs to equally husbands. She would have to count on her very own work file for calculating her PIA.

For personalised enable, you should really seek the advice of with a skilled financial qualified who has been qualified in handling the specific space of divorce economic scheduling these types of as a Qualified Money PLANNER (TM) expert or Accredited Divorce Economic Analyst.

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