Getting remarried is not a simple action and is not treated as a normal circumstance when it comes to Social Security benefits. Social Security is made of many rules that cannot be broken for any reason, or a beneficiary may lose the entitlement or potential benefits. The Social Security administration deems your 60th birthday an important day. Getting remarried before reaching 60 can cause you the entitled benefits.
You can marry on that day or a day after to avoid the cancellation. Benefits are given to a spouse after an ended marriage due to divorce or the death of a partner. If the ex-spouse or previous spouse is dead, you are qualified to receive survivor benefits accumulated by the late spouse.
Most cases like disabled people receive these benefits at the age of 50. A parent with a kid under 16 is also eligible for these benefits if the partner is deceased. Aside from these two cases a surviving spouse must reach the age of 60 years to start enjoying benefits from the SSA.
However, those that wish to remarry before 60 years have no claim to the benefits set by the late spouse record. If you remain married during the period, the circumstance remains the same. But if the marriage ends or a partner dies, you are eligible for Social Security benefits based on the passed marriage record.
On the contrary, if you remarry on your 60th birthday or after age 60, you remain a beneficiary of your previous marriage survivor benefits. To be eligible, you must be up to a year in your marriage before the death of your spouse, or the union should be at least ten years in the case of a divorce and later death occurs.
Here is a further explanation of people eligible for survivor benefits.
Widowers and widows collecting survivor benefits
A widower or widow is eligible for survivor benefits if the person does not remarry before a certain age. This group of people must wait until age 60 before becoming newlyweds and age 50 if you’re disabled.
Nursing parents are entitled to survivor benefits at any age if the child is under 16 or disabled, according to the definition set by AARP.
Divorced spouses with exes that are alive
Divorcees still alive can easily lose their Social Security if they rely on their ex’s earnings as benefits. As mentioned earlier, if you remarry, benefits are cut off.
Timing and 'double dipping.'
The office will give your ex's earnings to you from the Social Security benefits entitled to the ex. It is a known rule that as you keep receiving benefits from the SSI, the amount reduces or increases based on what is offered. You can only get the total share of the benefits if you reach the survivors' full retirement age (FRA).
If the dead spouse never lays a hand on the benefits, you'll get the full cut belonging to them. However, if you choose to get the benefits before retirement age, the amount reduces, meaning you'll not be paid the full benefits.
And you cannot collect your own and your previous spouse’s benefits. The highest amount is paid to you by the SSA, not both.
A two-time widow or widower can receive Social Security benefits from both spouses’ earnings. But the payments are made one after another, not together. According to the AARP, the Social Security Administration will provide a record of total benefits.
You should expect a change in SSI benefits if you and your new spouse are entitled to SSI. The SSA will pay the payment using the couple’s rate, not an individual rate.
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