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Extra Earnings Don't Always Translate to Extra Benefits Q: I know my Social Security benefits will be based on my last five years of earnings before I retire. But here is the problem. I am 60 years old and have just been laid off by my employer. I have few if any prospects of getting another job. I plan …Read more. The So-Called 'New' Social Security Rules Are Actually the Old Rules There is just so darn much misinformation out there about new Social Security rules. These rules have to do with the eventual elimination of the maximizing strategies known as "file and restrict" and "file and suspend." Every single day, I get …Read more. How to Deal With the Social Security Earnings Penalties I've gotten more than a few emails recently from Social Security beneficiaries who are under age 66 and still working and who are trapped in the web of Social Security's convoluted earnings penalty rules and the way they are administered. Those …Read more. Long Gone Husband May Mean Extra Social Security to Some I gave a couple women very nice Christmas presents over the recent holiday season. And I'm not talking about the lingerie I got my wife or the coffee maker I got my daughter. I'm talking about the gift of extra Social Security benefits I got for two …Read more.
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Widow Due Benefits After Divorcing Hubby No. 2

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Q: I have a widowed friend who remarried when she was 58 years old. But that marriage lasted only 4 months and they were divorced. She's been told that because she remarried before age 60, she won't be able to collect widow's benefits on her first husband's Social Security record. This doesn't seem fair since they were married for about 30 years. Is this true?

A: No, it's not true. Your friend will be eligible for widow's benefits on her first husband's Social Security account.

Normally, if a widow remarries before age 60, she relinquishes her rights to any benefits off her first husband's record. BUT, that is true only while the second marriage is in existence. If the second marriage ends for whatever reason — death, divorce, etc. — then the woman can go back and claim Social Security widow's benefits from husband No. 1's Social Security account.

Q: I thought I read in your column that a woman has to be at least 60 years old to get widow's benefits. But a neighbor told me the eligibility age is 50. Who is right?

A: Well, we both are, sort of!

The normal eligibility age for Social Security widow's benefits is 60. But the law says that if a woman is disabled, she can collect disabled widow's benefits as early as age 50. However, the eligibility criteria are rather strict, so a woman has to have a severe mental or physical impairment to collect disabled widow's benefits.

And by the way, a woman can collect widow's benefits at any age if she is caring for young children.

For example, there are thousands of women in their 20s, 30s, and 40s receiving Social Security widow's benefits because their husband has died and they have young children at home. The technical term the Social Security Administration uses for those types of payments is "mother's benefits."

Q: What the heck is a "surviving divorced spouse?" I was looking up some information about widow's benefits on Social Security's website, and I came across that term, but couldn't figure out what it meant even within the context of information I was reading. Can you help?

A: "Surviving divorced spouse" is government bureaucratese for a divorced widow.

If a woman was married to a man for 10 years or more before getting divorced, and if her ex-husband dies, she would be potentially eligible for benefits as a surviving divorced spouse - I mean a divorced wife. That is, assuming she is at least 60 years old and has not remarried. (It doesn't matter if the ex-husband remarried.)

Q: I've heard different stories. Do I have to be married to my husband for 10 years, or nine months, to collect benefits on his Social Security record?

A: If you dump the guy — i.e., get divorced — it's 10 years. But as long as you're currently married to him, the "duration of marriage" requirement for eligibility to any kind of Social Security spousal benefit is only nine months.

To find out more about Tom Margenau and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at www.creators.com.

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Comments

30 Comments | Post Comment
My best friend just died at age 24. He left behind his wife, 25yrs, and two daugthers, 2yrs, and 10months. I'm helping his wife with the finances and trying to figure out how much Social Security she and the kids will get...
Comment: #1
Posted by: luke
Thu Oct 16, 2008 11:39 AM
MY MOTHER WAS MARRIED TO MY FATHER FOR 10 1/2 YEARS AND DIVORCED HIM 52 YEARS AGO. SHE REMARRIED ABOUT 6 YEARS LATER AT ABOUT THE AGE OF 33. SHE MAY OR MAY NOT HAVE DIVORCED HIM AS WELL ABOUT TEN YEARS LATER. BUT IN ANY CASE, THE SECOND HUSBAND IS DECEASED. MY FATHER JUST DIED A COUPLE OF MONTHS AGO. MY MOTHER IS NOW 79 AND SHE APPLIED FOR BENEFITS FROM HIS FUND BUT HAS BEEN DENIED IN A LETTER REFERRING TO "THE LAWS OF LONG ISLAND". THEY WERE ORIGINALLY MARRIED IN THE BRONX AND SPENT ALL THEIR MARRIED YEARS IN BROOKLYN AND NASSAU COUNTY, LONG ISLAND, NEW YORK.

WHAT REASONS MIGHT THERE BE FOR HER TO BE DENIED AND SHOULD SHE APPEAL?

THANKS,
WK
Comment: #2
Posted by: william karras
Sun May 23, 2010 5:53 PM
I have a friend who will start receiving her deceased husband's S.S. survivor benefits when she turns 60 in December. She has never remarried. My question: if she remarries after she begins to receive his benefits can she remarry whithout losing her husbands benefits? Thanks
Comment: #3
Posted by: Pat A.
Sat Jun 12, 2010 8:40 AM
can banks attach social security benefits for repayment of credit cards or other loans?
Comment: #4
Posted by: lee herren
Sat Jun 26, 2010 11:03 AM
I was divorced after 10 years. After several years he started calling me to see how I was, about once a month. In 2008
I got a call on his cell phone from his son saying that the X was in the hospital & had had a heart attach. I called the
hospital & was told he was on a breathing machine & couldn't speak. Long story short, they kept moving him & the
last place I had said they didn't know where he was. His phones were cut off at home & his cell & I didn't have his son's.
I asked SS if they could tell me if he was still alive in the Spring of 2010. They told me he died in the Spring of 2009.
I didn't have the paper work they needed & it took me until July to get it. At first they said it would be retro to his death. Then when I went to get it they said it will be retro to the day you showed us the paperwork. Which is correct? I am 74 yrs old & he was 65 when he died.
Comment: #5
Posted by: layne
Tue Sep 14, 2010 7:48 PM
hi i received a retirement survivors benefit notice from new york i was only married to my husband for six years
thenwe divorced will i still be able to collect on his benefit when i turn 60
Comment: #6
Posted by: cynthia
Tue Mar 13, 2012 5:15 PM
I was widowed at the age of 30. How long can I collect social secuirty benefits til? I had one son who was only 3 at the time. Do I continue to collect after he is 16? Or do benefits end? And can I collect widowers benefits when I'm 60, if I don't remarry?
Comment: #7
Posted by: Patricia Sobieszczyk
Wed Mar 21, 2012 3:41 PM
I was widowed at 45 .I remarried at 48. I now know that my deceased husband SS benefit would be much higher as he made a very good income then mine will be Mine will be about $900 per month, and his would have been $1800 per month. Would it be be wise to divorce my 2nd husband before I turn 60 so I can collect the SS of my deceased husband and remarry husband number 2 again after I turn 60 ? I am 555 now .Know this sounds horrible and calculating but my 2nd husband and I are poor as church mice and need every edge we can get for our future .And the difference in SS benefits of $1000 per month is major for us . If do this do I have to divorce before I turn 60 to collect on my deceased husband SS or can I do at any age after 60 . I hate t this whole idea but we are so concerned about retirement and need all the advantages we can get. Please advise. Thanks Julie Thompson
Comment: #8
Posted by: julie thompson
Mon Aug 19, 2013 4:13 PM
I am a widow from my first husband. I did remarry before I was 60. but I got a divorce 2 months before my 60th birthday. can draw social security off my first husband.

I also have a friend who wants to know is there a time frame after you turn 60 and start drawing your social security that you have to wait to get married. she is planning on getting married but don't want to mess up her benefits
Comment: #9
Posted by: jannell
Tue Feb 4, 2014 1:02 PM
Are you looking for a good spell casters who can help you out and bring back your ex? contact Dr.Kwale today via his email: kwaletemple@gmail.com or call him via his number +2348056141089. he was the one that reunite my broken relationship within the period of 24hours!!!
Comment: #10
Posted by: Prudence
Tue Jan 27, 2015 10:52 PM
Hello.. I am not here to tell you about myself but i just want to share my experience with this great man called Dr.Kwale, I lost my husband to another lady i was so confused because i really needed him back but i didn't know how to get him back till i came across Dr. Kwale email and i contacted him to help me bring my husband back to my arms. and my husband was back to me within 24hours after he did his love spell for me. Any body that is heartbroken can get his or her lover back through the great powers of this great spell caster called Dr.Kwale whose email is kwaletemple@gmail.com or call him on +234818056141089 for a real confirmation of what i just said..

Quincy
Comment: #11
Posted by: Prudence
Tue Jan 27, 2015 10:54 PM
Hi my name is Elizabeth and i want to recommend a great spell caster called Dr.Kwale to everyone looking for help to reunite their lover or husband back to contact Dr.Kwale on his email address kwaletemple@gmail.com or call him on +2348056141089
Comment: #12
Posted by: Prudence
Tue Jan 27, 2015 10:57 PM

Are you looking for a good spell casters who can help you out and bring back your ex? contact Dr.Kwale today via his email: kwaletemple@gmail.com or call him via his number +2348056141089. he was the one that reunite my broken relationship within the period of 24hours!!!
Comment: #13
Posted by: Prudence
Tue Jan 27, 2015 11:03 PM
Hi my name is Elizabeth and i want to recommend a great spell caster called Dr.Kwale to everyone looking for help to reunite their lover or husband back to contact Dr.Kwale on his email address kwaletemple@gmail.com or call him on +2348056141089
Comment: #14
Posted by: Prudence
Tue Jan 27, 2015 11:04 PM
Hello.. I am not here to tell you about myself but i just want to share my experience with this great man called Dr.Kwale, I lost my husband to another lady i was so confused because i really needed him back but i didn't know how to get him back till i came across Dr. Kwale email and i contacted him to help me bring my husband back to my arms. and my husband was back to me within 24hours after he did his love spell for me. Any body that is heartbroken can get his or her lover back through the great powers of this great spell caster called Dr.Kwale whose email is kwaletemple@gmail.com or call him on +234818056141089 for a real confirmation of what i just said..
Quincy
Comment: #15
Posted by: Prudence
Tue Jan 27, 2015 11:06 PM
my story goes to everyone out there that are in the situation that i have also being through and how i was saved.
I have been rejected by my husband 6 months ago after 12 years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address (camaralovespell@live.com) have help a woman to get back her husband. and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2days that i will have my husband back. i believed him and he did it for me by bringing my husband back to me,i am very greatful to him and the good work he is doing.I will not stop to testify of your goodness upon my life,if anybody need his help kindly email him on His email : CAMARALOVESPELL@LIVE.COM
Comment: #16
Posted by: katherinachia
Fri Jul 3, 2015 6:58 PM

My name is Janet . I found a great spell caster online who helped me to get back my husband who has left me for pass 3 years. we where married for 8years without a child and my friend introduce me to a real spell caster which i never believe it exist but after the meeting of this spell caster my problem where solved and now i am with my husband who left me for pass three years my life and my entire family are now happy now i have two kids which i give birth to as twins with the help of this great spell caster. Thanks Dr. obosianzen of obosianzespelltemple@hotmail.com if you need any spell, you can email him he will be in the best position to help you. I wish you good luck and success.
Comment: #17
Posted by: laure
Sat Jul 11, 2015 7:49 AM

forston

I just wanted to tell everyone about my situation and what has happened. It was not long after the spell that it all happened. I am now with ex and he is more loving than you can imagine. The spell that you have done for me could not have worked any quicker or better. We are happier now than we have ever been. Bless Divinity and you for everything that you have done! Please don't waist your time with other spell casters as you will get ripped off. There is only one true one out there
that I have found and he is here and it obosianzenspelltemple@hotmail.com
Comment: #18
Posted by: laure
Sat Jul 11, 2015 8:04 AM

I heard so many things from Anita kelvin, about DR obosianzen from obosianzenspelltemple@hotmail.com and every story about him has been so great. so here is my story me and the father of my son has been off and on for 3 years its been a very stressful relationship. he cheated on me and I was very hurt, it was miserable for me so in returned I cheated because I wanted him to feel the pain but he never cares so we went apart, so he went back to his ex.i wanted him to leave her and let us come back together, I love him so much and I just want him to feel the same way i feel for him, luckily for me DR obosianzen was the one who brought my lover back to me, he is a good spell caster. his contact address is obosianzenspelltemple@hotmail.com .you can still save your marriage if u really love your husband or your wife
Comment: #19
Posted by: laure
Sat Jul 11, 2015 8:08 AM


recently saw a testimony about a spell caster of some sort in a blog I visit for relationship and dating counseling problems because i had been having serious issues with my boyfriend and we had been dating for six months,he just suddenly changed,he was returning my calls,he started cheating,he was hurting me in so many ways i never thought it possible and I just thought I should try it*maybe out of desperation of some sort*..and I contacted him..At first everything felt dreamy and unbelievable,their consultations and solution was a little bit easy and strange now he do not love anybody execpt me all thanks to templeofpeaceandsurcess@gmail.com i really appreciate

Comment: #20
Posted by: laure
Sat Jul 11, 2015 8:11 AM

An amazing testimony of a spell caster that help me get my husband back to me. My name is Dennis Stella I live in USA and i have 4 kids, I was having problems with my husband which make him hate us so much that even lead to break up and he left us to another woman, until a friend of mine directed me to this man called Dr. Baba I contacted him and he started to cast the spell immediately, then he helped me get my husband back in peace and we are now happy family am very much thankful to Dr Baba that helped me, so i must tell the people how good he his. I will advice you to contact him through this email worldwidesupremetemple@gmail.com
Comment: #21
Posted by: Dennis Stella
Fri Jul 24, 2015 7:54 PM
I am very happy today for what Doctor Ohimal has done for me with his spell after 10 years of marrying my husband i didn't know that he was having an affair. He was always cheating on me and each time i ask him why he will say that he has seen a better and more beautiful woman. I try to make him stop cheating on me but all my effort seems abortive until when my friend told me about Doctor Ohimal the great spell caster so i contacted him and explained everything to him and then he told me that he will wipe my tears with his spell totally and i will see result within 12 to 16 hours. I am very glad and proud that Doctor Ohimal is a man on his word because as i speak now my husband has change for better and him now loves and cherish me more than anything or anyone. Do you have problems and need help of any kind then Contact Doctor Ohimal today via Email: drohimalspelltemple@gmail.com
Comment: #22
Posted by: sander
Sat Jul 25, 2015 4:56 PM
How long do I have to be divorced from my 2nd husband to recieve SSI or widows benifits from my first husband who drastic away18months ago I am 68 yrs old we were married 17 yrs
Comment: #23
Posted by: Yvonne Botschin
Thu Oct 1, 2015 6:26 PM
Yvonne again my post should read my first husband passed away 18 months ago. Add to comment 23 . Thanks
Comment: #24
Posted by: Yvonne Botschin
Thu Oct 1, 2015 6:39 PM
i want to use this medium to say thank you to DR DAN the great spell caster for what he has done in my life with his spell. He brought my man back to me with his powerful spell when i least expected and I'm very proud to write on the internet just to let the world know the great help i got from DR DAN . My man and i broke up and i never believed that we can reunite again until i read an article on the internet of how DR DAN the great spell caster has helped so many people with his great power so i decided to give him a try which was in my favor and here am boldly celebrating and jubilation because DR DAN brought my man back with his wonderful spell within 3 DAYS. Do you need help of any kind then contact DR DAN the great spell caster via email: BLESSEDSPELLHOME@HOTMAIL.COM or call him +1 (310) 751-7818
Comment: #25
Posted by: SHANNON GREG
Fri Oct 30, 2015 10:37 PM
I"m Tina from United states, i want to use this opportunity to thank the Great [DR OFURE] for helping in getting my husband back to me, i have been in great pains until the day i contacted [DR OFURE] he coasted a love spell for me and told me to wait for just 12 hours that my husband will call me and i did according to the instructions given to me by him and surprisingly, in 12 hours, my husband really called me and started apologizing for all he had caused me. I am the happiest Woman on earth today because [DR OFURE] has done a wonderful deeds in my life and i will continue to share this testimony, if you would love to contact [DR OFURE] and if you know you are encountering same situation, visit him today by contacting him via this email address: [ofurelovespellhelp@gmail.com] or call his mobile number +23409756444
Comment: #26
Posted by: harry tina
Sun Nov 1, 2015 2:04 AM



Ababi Victoy
I will says to the world to celebrate this great testimony with me, i never believe i can ever get my ex lover back one day. My story and thanksgiving goes to Dr.Ofemo When my lover left me i never taught that i will be able to get him back after all he has put me through, But i am so happy that after the interference of Dr. Ofemo i was able to get my lover back after 24 hours and i can proudly to say, that who ever need help in getting there lover back should contact Dr. OKUNAD contact his email OKUNADESPELLTEMPLE@GMAIL.COM
that is why i also want to let everyone who is in need of help out there to also seek help from him so he can help via email dr OKUNADESPELLTEMPLE@GMAIL.COM or his cell number +2348110651073
Comment: #27
Posted by: Ababi Victoy
Sun Jan 17, 2016 2:18 AM
My name Cynthia i want to give thanks and i will always give thanks to Dr OKUNADE who brought back my love that has left me for 6years within 48hours, i have said about this last week but i promised to always tell people about this every week end so that those that did not read about it last will read about it this week, i have been looking for how to get this boy back to my life because i love this boy with the whole of my heart, i could not replace him with any body,one day i was watching my television when i saw a lady giving thanks to Dr OKUNADE and telling the world how he helped her i was so shocked i could not believe it because i never taught that there are powers that can bring back lost love, then that was how i decided to contact him too because i do really need my love back,when i contacted him i told him everything and he told me not to worry that my love will surely be back to my arms within 48hours at first i could not believe because i was thinking how could somebody that has gone for 6years come back within 48 hours,so then i decided to watch and see,unbelievable within the next 48hours i got a call from unknown number so i decided to pick the call the next thing i could hear was my loves voice he was pleading and begging me on the phone that i should forgive him that i should forget all that have happened that he did not know what came over him,he promised not to leave for any reason, that he was really sorry for what he did,i was so surprised because i never believed that this could happen,so that was how i accepted his apology and the next morning he came to my house and still pleading for me to forgive him i told him that everything is okay that i have forgiven him, that was how we started again and now we are married, i promised to say this testimony in radio station, commenting this testimony is still okay but before this month runs out i promise to say this in radio station and i will,sir thank you very much.World please am begging you people to try and thank this man for me,or if you need his help here is his email address:OKUNADESPELLTEMPLE@GMAIL.COM , you can still contact me through my email to know more about him.this is my email adress:OKUNADESPELLTEMPLE@GMAIL.COM
Comment: #28
Posted by: Ababi Victoy
Sun Jan 17, 2016 2:19 AM
My name is Noman, I never thought I will smile again, My husband left me with two kids for one year, All effort to bring him back failed I thought I'm not going to see him again not until I met a lady called Jesse who told me about a spell caster called Dr.okoro, She gave me his email address and mobile number and I contacted him and he assured me that within 48hours my husband will come back to me, In less than 48hours my husband came back started begging for forgiveness saying it is the devils work, so I'm still surprise till now about this miracle,i couldn't conceive but as soon as the spell was cast,i became pregnant and gave birth to my third child(Michelle) if you need any assistance from him you can contact him via:email okorospellcaster@yahoo.com
Comment: #29
Posted by: noman faith
Wed Jan 27, 2016 12:53 AM

I'm McCarthy Adrian from United Kingdom .I never believed in Spells or Magic until I met this special spell caster called Dr Ukoko ... I have great joy in me as i am writing this testimony about the great man called Dr Ukoko When my Girlfriend left me i never taught that i will be able to get her back after all she has put me through, But i am so happy that after the interference of Dr. Ukoko i was able to get my Girlfriend back after 48hours and i can proudly to say, that who ever need help in getting there lover back should contact Dr.Ukoko on these contact email below: drukokostemple@outlook.com , So I will recommend you to contact Dr Ukoko temple , once you are in need of magic spell ,he brought back Ex lover ,broken marriages , he cure cancer and other sickness, he also cast a spell to stop divorce so on .. he is sincere and real spell caster to help you out email if you need his help at email: ( drukokostemple@outlook.com ) his cell number +2348138613784
Comment: #30
Posted by: McCarthy Adrian
Mon Feb 1, 2016 7:41 PM
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