Social Security Remarriage Incentives for Widows A. I am also a civil service retiree and get my own retirement. Are you entitled to a benefit as a surviving spouse even if you are not yet 65? Statistically significant at the 5 percent level. A divorced woman who was married for at least 10 years to a man who worked in covered employment is potentially eligible for a surviving divorced spouse benefit upon his death. This literature considers two related questions: do taxes or transfers affect the decision of whether or not to be married, and do taxes or transfers affect the timing of marriage? If you are not receiving benefits, you can opt to take your husband's benefits and delay starting your own. If I remarry, will I lose these benefits? This site states the different scenarios. Prior to 1979, we cannot reject the hypothesis that the percent differences from 1968, the baseline year, are the same for those under age 60 and those at least age 60 in each year.
Since I had him home there was no reason to save them, so I erased them. My father passed last month at age 85. In cases where individuals are eligible for benefits on their own record and for benefits as a spouse, we always pay their own first. The welfare effects associated with this behavior are more profound than those of women who simply delay marriage. Second, since 1984, women who are divorced after 10 years of marriage and whose ex-spouses are deceased face similar penalties to widows.
Because these remarried widows are not fully insured, it is unlikely they have strong attachments to the labor force and the earnings test is not likely to be an issue. An example illustrates the Social Security rules and the potential size of the marriage penalty. A widow er is eligible to receive benefits if she or he is at least age 60. We investigate whether the age-60 remarriage rule affects the timing of marriage and whether the elimination of the marriage penalty in 1979 encouraged widows 60 or older to marry. Prior to 1984, the survivor of a worker who died before retiring was less likely to collect benefits. But she fears that getting married soon, as she and her fiancè planned, could cost her a fortune because of the rules that govern Social Security.
I explained the specifics of your case to the Department of Work and Pensions without giving away your identity and I received a reassuring response. If your spouse qualified for a pension, you may be able to claim some or all of the benefit when he dies. The current system reflects a series of law changes, beginning in 1965, that altered the marriage penalties in Social Security. Social Security Program Rules Much of the discussion in this section focuses on widows who are under the age of 60 and who were married to persons who worked in Social Security covered employment. Actual Penalties In this section, we provide some perspective on how large the actual penalties are likely to be for widows who remarry before age 60. We offer the option to mail your completed application with the original or certified documents to your in your area.
It is paid for up to 52 weeks. One solution is for the owner of the house to give the surviving spouse a life estate. The top panel of Figure 6 shows with descriptive statistics that this pattern is not the same for divorced women. There are regularly various groups trying to have the rules changed. Is there any other benefit she can apply for? Or will I get my full benefit when I switch to my own benefits at 67? So too are their families, and the circumstances they face. Retirement benefits, on the other hand, continue grow by 8% per year for every year one postpones collecting them beyond full retirement age up to age 70. Those benefits typically equal your spouse's retirement benefit, which is usually substantially higher than spousal benefits.
Only since 1979 have widow er s been allow to marry at or after age 60 and not face reductions in benefit amounts. Although nothing can make up for the loss of a spouse, a widow often can collect at least some of her husband's public and private retirement monies. My husband started getting his full retirement package, and then he died while I was already full retirement age. Depending on your finances, it may work out better if she gets the maximum personal benefit and invests it for your future, rather than taking a reduced benefit in return for guaranteeing you a pension after she passes on. This supports work by Sjoquist and Walker 1995 who use aggregate data. Hit enter to expand a main menu option Health, Benefits, etc.
This may not be a major concern because more than 90 percent of men are fully insured under Social Security U. . This suggests that, on average, the law change did not have significant effects on widows under age 60, but we investigate this further in future regressions. Second, Social Security pays a lower rate for a spouse benefit than a widow benefit. Divorced women who were married for at least 10 years are eligible for spousal benefits on the records of their former spouses.
As for social security retirement benefits, you may be entitled to divorced spouse benefits or surviving divorced spouse benefits if he dies, as long as you are of retirement age and were married for at least 10 years. He may also choose 75 percent, 50 percent or something smaller. If I remarry, I assume I can add my new husband to my family policy. Alternative Explanations Overall, the above results suggest a change in remarriage behavior for widows around age 60. We only include former child-in-care widows who have not reestablished entitlement on the work records of their deceased husbands. Will my spousal benefit be affected by new marriage? It is a different matter if your spouse died while no longer employed by the federal government, yet before beginning to receive retirement benefits.
For those born in or prior to 1928, the number of required quarters is smaller. The Social Security rules on remarriage have changed over time. They both thought they could get their deceased spouses' benefits. To learn more, please visit:. But once you remarry, you become entitled to take spousal benefits based on your new spouse's work history after a short waiting period. If we marry, will I lose my Medical benefits and my free medications? Any advice on how I can survive until my disability comes through? How long do you need to have been married in order to receive a survivor's benefit? Also eligible are family members of reservists and National Guardsmen who die while on duty.
Full disclosure: My sister-in-law is a member of the Gold Star Wives. I was disabled and got married. Missy remarried age 37 to Roy, marriage lasted 6 yrs, when Missy was around 62 Roy died, at age 67 Missy remarried to Sam, after 4 months Missy moved to another state but never remarried. To learn more about the Death Pension please follow this link: For more information please call 800-827-1000. Also, in the post-1979 period, there was a drop in marriage rates immediately prior to age 60 and an increase after this age.