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Three Reasons to Switch to Your Own Social Security Q: I am about to turn 70, and I'm still working. When I was 66, I filed for widow's benefits on my husband's record. At the time, my own retirement benefit was less than my husband's rate. My plan was to let mine build up over time, hoping that by …Read more. More Mailbox Miscellany Last week, I was cleaning out my email inbox and answered lots of miscellaneous questions in one column. Today, I'll dig even farther down in that mailbag and, once again, squeeze in as many questions and answers as my column space will permit. Q: I …Read more. Mailbag Miscellany This week, instead of concentrating on just one topic, I'm going to dig into my mailbag and answer random questions. I will try to keep my answers short and sweet so I can squeeze in as many questions as my column space will permit. Q: I took widow'…Read more. Maximizing Strategies: Going, Going, Gone! Congress and the president finally listened to me. With the budget bill agreement they reached a week or so ago, they killed the so-called Social Security maximizing strategies. And I say: good riddance! We will finally be getting Social Security …Read more.
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Social Security From a Bigamist


Q: I only recently learned that I was married to a bigamist! I thought I just had a regular ex-husband. But now I'm not sure I ever had a husband at all. We were "married" for 15 years before getting a divorce several years ago. He recently died. And after that happened, I learned that he was married to two other women at the same time that he was married to me! Or to clarify that, he married the first woman and then left her, but he never divorced her. Then he married the second woman and left her, but he never divorced her and married me.

He told me that he was single when we got married. Am I going to be eligible for any of his Social Security?

A: I believe there is a pretty good chance that you will qualify for divorced widow's benefits (assuming you meet all the other eligibility requirements). The Social Security Administration normally follows state laws when it comes to marriage. In other words, if the state you were living in with Mr. Wonderful considers your marriage to be legal, SSA will consider it legal and pay you benefits on his record.

But even if there are some issues with the state recognizing the legitimacy of your marriage, there are other provisions in Social Security law that may help you. In a nutshell, those rules say that if you entered into the marriage in "good faith" — in other words, if you married the guy truly believing that he was single and not already married to someone else — they could consider you legally married for Social Security purposes and pay you divorced widow's benefits.

By the way, there is a chance some of his other wives — or I suppose I should say "victims" — may also qualify for Social Security benefits on his record. But even if they do, you each would receive full benefits (i.e., you don't offset one another).

Q: In a recent column, you said that once you had 10 years of work, there was no point to working anymore for Social Security purposes. But I thought Social Security benefits were based on the highest 35 years of work and earnings. So wouldn't it make sense for a person to work and pay Social Security taxes for at least 35 years?

A: It certainly would make sense for a person to work at least 35 years. In fact, during their working lifetime, most people spend at least 40 or more years at jobs where they are probably paying into Social Security.

I'm sorry I didn't make myself clear in that prior column.

I was talking about the basic qualification requirement for a Social Security benefit, not the amount of the benefit. Anyone qualifies for Social Security retirement benefits once he or she has 40 Social Security "credits." Because you generally earn four credits per year, that translates into 10 years of work.

In other words, once you've worked for 10 years, you are potentially eligible for Social Security retirement payments. And to meet that basic qualification requirement, it doesn't matter if you have 40 credits or 400 credits. If you have at least 40 credits, you're locked into the system.

But because the amount of your benefit is based on your highest 35 years of earnings, then obviously, the more years you work and the more money you make, the higher your Social Security benefit will be. So, it would make sense to work as many years as you can in order to keep building up the amount of your Social Security benefit.

Q: If I retire at age 58 in 2011, how much am I messing up my eventual Social Security benefit? In other words, I'm going to have several years of "zero" earnings just before I take my Social Security. That can't be good!

A: You shouldn't lose too much sleep over this. Your Social Security retirement benefit certainly won't be as high as it could have been had you kept working right up to the time you reach 62 — the earliest Social Security eligibility age. But it's not going to be dramatically less because of your early retirement. Your Social Security benefit is based on your average earnings over your highest 35 years of work. For most people, their "high 35" are the last 35 years of earnings.

That means your Social Security benefit will be based on your average wage probably during the years 1976 through 2011. Had you kept working until age 62, your benefit would have been based on your average wage from 1980 through 2015. That former time period (1976-2011) probably results in a lower average wage than the latter (1980-2015), which would translate into a lower Social Security benefit. How much lower? It depends entirely on your past income or what it would have been for the years in question. But my hunch is you'll end up with a Social Security check that's maybe $100 less than it could have been had you kept working until age 62.

If you have a Social Security question, Tom Margenau has the answer. Contact him at To find out more about Tom Margenau and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at



3 Comments | Post Comment
Hi I am a divorced widow I have been told I will draw 750.00 a month on my ex's SS also that I should post pone drawing my SS which will be more until I am 66 my full retirement age. My question is how much more will I draw at age 66 if i wait. I plan on retireing at age 60 and not paying in anymore SS. and drawing from my ex's SS. Right now my SS at 62 will be about 1400.00 a month if I wait until age 66 will my SS go up 8% per year until I am start drawing it at age 66?

Comment: #1
Posted by: rosanna lewis
Fri Jan 28, 2011 10:40 AM
My husband was a bigamist also. We were married 23 years, then he died and i found out he had never gotten a divorce. I have the marriage license and it is on file at the courthouse. I have 2 children with him. His previous marriage produced 3 children. They are the ones causing problems. I am going to social security to place my claim because all of our bills were in my name. He didn't have any credit, now I'm stuck with everything. I'm ill now and can't work.
Comment: #2
Posted by: angelina htims
Thu May 5, 2011 12:43 PM
if i have been married to a man for 18 yrs and found out he is a biggamist and divorced his wife after being married several years,am i even married to him? if so,if i get divorced and remarried am i still entitled to his benefits?
Comment: #3
Posted by: joanne
Thu Sep 22, 2011 4:07 PM
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