How does marriage affect Social Security retirement benefits?

How does marriage affect Social Security retirement benefits?

How does marriage affect Social Security benefits? Marriage has no impact on your Social Security retirement benefit, which is based on your work record and earnings history. However, if you are divorced and receiving spousal benefits on the record of a living ex-spouse, those payments end if you remarry, at any age.

Will I lose my Social Security disability benefits if I get married?

Social Security Disability Insurance (SSDI) To receive SSDI, you have to fit the Social Security Administration’s (SSA’s) definition of disability, but you can be unmarried or married. Getting married won’t ever effect SSDI benefits that you collect based on your own disability and your own earnings record.

What happens to your social security when you get married?

The longer either spouse waits to take benefits (up to age 70), the higher the couple’s final Social Security earnings will be. A married person may claim benefits on their own earnings record, but in many cases, may also claim a benefit on his or her spouse’s record, called the spousal benefit.

What happens to my social security if I remarry before age 50?

If you receive benefits as a widow, divorced widow, widower, or divorced widower — You cannot get benefits if you remarry before age 60 or if you are disabled and remarry before age 50. If you remarry before you turn 50, you will not be entitled to survivor’s benefits, unless the marriage ends.

Can a spouse choose to receive their own retirement benefits?

They can both elect to receive their own benefits or one partner can take their own benefits, and the other can choose to receive spousal benefits based on their husband or wife’s work history. It comes down to which choice results in a higher benefit amount. The rules for spouses receiving traditional retirement benefits are complex.

Is there a social security calculator for married couples?

Online Social Security calculators will do the number crunching for you and your spouse and show you which claiming strategy will result in the greatest lifetime benefits for a married couple. Social Security Administration (SSA). ” Your Options: Working, Applying for Retirement Benefits, or Both?