If my ex-husband is only 54 years old, can I receive his social security payment?


Dear Petunia,

I am in the process of divorce. It has been two years since I submitted my application. My husband earns more money than me. I have a disability and cannot work. I have almost no income now!

I will be 62 years old in four months. He is 54 years old this year. If I retire at the age of 62, can I still get his social security?

-Legal separation

Dear separation,

First, the bad news: if you Former spouse’s income, Your predecessor needs to be eligible for benefits. This means that if you apply after the divorce is finalized, the person you are about to become must either be 62 years old or have a disability. If you apply for benefits based on his records when you are unmarried, not only must he be eligible for benefits. He must really take them away.

The good news now is: because you are over 60 and unable to work, qualifying for Social Security Disability Insurance (SSDI) benefits may be easier than you think. If you receive a pension when you are 62 years old, you may get more money each month.

Many older workers want to start Social Security Retirement Check early when their health conditions prevent them from continuing to work. This is understandable, because obtaining disability approval can be a long and tedious process. But in many cases, it is wrong to start retirement benefits early instead of applying for disability.

When you apply for a disability, Social Security weighs many factors, including the type of work you did before and the work skills you learned. If your disability prevents you from doing work similar to your past job, the Social Security Administration will consider your ability to adapt to other types of work.

The Social Security Administration will not identify you as a disabled person based on your age alone. But by the time you are 55 years old, your age is considered an important factor affecting your ability to adapt to a new job. These rules are more beneficial for people 60 years and older. According to data from the Budget and Policy Priority Center, if you are 60 years old or older, you are about twice as likely to receive SSDI as if you were 50 years old.

Compared with early social security, one of the major advantages of adopting SSDI is that you will not permanently reduce your benefits.Disability check based on the amount you paid to Social Security, as if you have reached Full retirement ageOnce you reach the full retirement age-if you were born in 1960 or later, you are 67 years old-you will automatically be converted to retirement benefits. Your payment may not change.After 24 months of SSDI, you will also automatically get medical insurance Part A and Part B.

However, if you take 62-year-old pension, Your payment will be reduced by approximately 30%. When you receive benefits based on your spouse’s or ex-spouse’s records, you can get up to 50% of their full retirement benefits. Even if one of the parties has higher income, the other party will usually apply for benefits based on their own work experience to get more income.

To increase your chances of success, please consult a social security disability lawyer. Normally, they work in emergency situations, which means they won’t get paid unless you win the claim. If this happens, their expenses are usually capped at the lesser of $6,000 or 25% of your owed salary.

If SSDI does not seem feasible, then it is essential to negotiate alimony when you complete your divorce. Doing so will allow you to stick to greater retirement benefits.

Applying for social security is more or less a permanent decision. If you cannot work, it is vital that you first try to obtain a disability before you accept the lower payment for the rest of your life.

Robin Hartill is Penny Hoarder’s certified financial planner and senior writer.Send your tough money questions to [email protected].


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