Q. I’ve had a number of sclerosis for over 33 years and I’ve been receiving SSDI since roughly 1995. I did work part-time as an LPN till 2010, however now I’m completely disabled and age 60. I’m single, however I’ve an ex. Can I gather on his Social Security? We had been married for 23 years and he retired three months in the past.
A. There are a number of advantages offered by the Social Security Administration, and every profit has completely different guidelines governing when you’re allowed to use for them.
Particularly in your case, you might be at the moment receiving “incapacity” advantages.
The important thing a part of your query is whether or not your ex-spouse is alive or has handed away, stated Nicholas Scheibner, a licensed monetary planner with Baron Monetary Group in Honest Garden.
“Because it seems out of your query that he’s alive, you’ll qualify for spousal advantages primarily based on his report,” he stated. “It’s worthwhile to be at the least 62 years outdated to use for spousal advantages.”
Scheibner stated if he had handed away, then you definately would qualify for survivor advantages, which you’d be entitled to at age 60.
“In case you are trying to maximize your Social Security, you could possibly proceed your SSDI funds till your full retirement age, when you possibly can change to your full spousal advantages,” he stated. “That might entitle you to 100% of your spousal advantages.”
If you happen to determine to start the spousal advantages previous to your full retirement age, you possibly can anticipate a everlasting discount in funds, he stated.
“To find out what it is best to do at age 62, you’ll wish to evaluate how a lot you might be at the moment getting on SSDI, versus the decreased profit in your husband’s report, in addition to decide your present money stream must see what’s going to work greatest for you,” he stated.
Be aware that you would be able to’t obtain each advantages on the identical time.
You need to contact Social Security on to see precisely what your advantages could possibly be.
Electronic mail your inquiries to [email protected].
Karin Worth Mueller writes the Bamboozled column for NJ Advance Media and is the founding father of NJMoneyHelp.com. Comply with NJMoneyHelp on Twitter @NJMoneyHelp. Discover NJMoneyHelp on Fb. Join NJMoneyHelp.com’s weekly e-newsletter.