Ask Rusty: Can I Re-marry, or Can I Not?

by AMAC-Certified Social Security Advisor Russell Gloor

Dear Rusty: After a pretty difficult 32 years of marriage and ugly divorce a few years ago, I finally found the man of my dreams. We’d like to get married, but I’m collecting spousal benefits from my ex’s Social Security record and I’ve been told that if I re-marry I’ll lose those benefits. But I’ve also been told that I can remarry if I’m over 60 years old. My new guy is not collecting Social Security yet, although he is old enough to start if he chooses. So please help me. Can I remarry, or not?

Signed: Bride in waiting

Dear Bride:

This is one of those things that always seems to cause confusion for those who are divorced, collecting Social Security and thinking about a second marriage. Let’s start with some basics: The rules say that as an ex-wife you are entitled to spousal benefits if you are at least 62 years old, are not currently married, and were married to your ex for at least 10 years (and divorced for at least 2 if your ex is not yet collecting benefits). The benefit you are entitled to is ½ of your ex’s primary insurance amount (or “PIA”, the amount he is entitled to at his full retirement age). This, of course, would need to be higher than any benefit you would get on your own work record. That means that if you remarry now, regardless of your age, you will indeed lose your spousal benefit based upon your ex-husband’s record.

Since you say your new guy is not yet collecting Social Security, what is most important for you is whether he plans to apply soon, and how much your spousal benefit would be on your new husband’s record. This amount is easy to obtain if your new beau sets up an account at www.ssa.gov and gets his current benefit estimate, which would include what he’s entitled to at his full retirement age (his “PIA”). Once he starts collecting benefits, as his spouse you would be entitled to ½ of his PIA. You can compare the benefit you now get on your ex-husband’s record with what you would get from your new husband’s record if he were collecting. With this knowledge, you and he can make an informed decision about whether getting married at this time is financially prudent.

Where the confusion usually stems from on remarrying after reaching 60 years of age is because that is the rule for ex-spouse survivor’s benefits, not benefits from a living ex-spouse. Divorced widows can remarry after age 60 and still collect benefits on their deceased ex-husband’s record (said benefit being 100% of whatever benefit the deceased ex was collecting or entitled to collect at death).

My wish for you and the new “man of your dreams” is that you spend the rest of your lives enjoying a loving and caring relationship, hopefully with wedding bells sometime in the near future.

To submit a request, contact the Foundation at info@amacfoundation.com. The information presented in this article is intended for general information purposes only. The opinions and interpretations expressed in this article are the viewpoints of the AMAC Foundation’s Social Security Advisory staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA, the AMAC Foundation, and the Foundation’s Social Security Advisors are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. Furthermore, the AMAC Foundation and its staff do not provide legal or accounting services. The Foundation welcomes questions from readers regarding Social Security issues. To submit a request, contact the Foundation at info@amacfoundation.org.

Facebook Comments

Website Comments

  1. trade Bitcoins

    Hello I am so ԁelighted I found your site, I really fopund
    you by accident, while I was searching on Yahoo for something else,
    Nonethelеss Ι am here now and would just like tо
    say thank you for a fantɑstic post and a alⅼ round enjoyable bloog (I also love the theme/design), I don’t
    have time to read through it alⅼ at tthе minute but I have bookmarked
    it and also included your RSS feeds, so when I have
    tіme I will Ƅe back to read a ɡreat deal morе, Please do keep up the
    awesome work.

  2. inflatable camping pillow

    My brother recommended I might like this website. He was totally right. This post truly made my day. You cann at imagine simply how much time I had spent for this information! Thanks!

  3. hairdresser

    Right now it appears like Drupal is the best blogging platform available right now. (from what I ave read) Is that what you are using on your blog?

  4. holistic sanctuary

    It as not that I want to duplicate your web site, but I really like the design. Could you tell me which design are you using? Or was it tailor made?

  5. site

    Very useful information specifically the last part I care for such information a lot. I was looking for this certain information for a very long time. Thank you and good luck.

  6. iPad mini

    SEO Company Orange Company I think this internet site contains some really good info for everyone . The ground that a good man treads is hallowed. by Johann von Goethe.

  7. Rolex Replicas

    Whoa! This blog looks exactly like my old one! It as on a completely different topic but it has pretty much the same layout and design. Great choice of colors!

  8. furtdso linopv

    Thank you for another excellent article. Where else could anyone get that type of information in such an ideal way of writing? I have a presentation next week, and I’m on the look for such information.

  9. ecu doctor ecu Testors airbrush

    Very great post. I just stumbled upon your blog and wanted to say that I have really enjoyed surfring aroumd your
    blog posts. After all I’ll be subscribing on your rss feed and I am hoping youu write once more
    veryy soon!

  10. pc games for windows 7

    I will immediately seize your rss feed as I can not to find your email subscription hyperlink or newsletter service. Do you ave any? Kindly allow me realize so that I could subscribe. Thanks.

  11. to learn more

    This awesome blog is obviously cool and also factual. I have picked many helpful advices out of it. I ad love to return again soon. Thanks a lot!

  12. luxury vacation

    You ave made some good points there. I looked on the web to learn more about the issue and found most people will go along with your views on this website.

  13. 21 Day Flat Belly Fix

    This awesome blog is definitely interesting as well as factual. I have picked up a lot of interesting stuff out of this amazing blog. I ad love to go back again soon. Cheers!

  14. sexy video poer site

    Thank you for sharing excellent information. Your web-site is so cool. I’m impressed by the info that you’ve on this website. It reveals how nicely you perceive this subject. Bookmarked this web page, will come back for more articles.

  15. Bryan

    Piece of writing writing is also a fun, if you be familiar
    with after that you can write otherwise it is complex to write.

  16. drug rehabilitation programs

    Do yoou mind if I quote a couple of your posts as lng as I provide credit and sorces back to your blog?
    My website is in the exact same nicge as yours and mmy visitors would
    definitely benefit from somje off thhe information you present here.
    Please let me know if this alright wityh you. Regards!

  17. Meaghan Joens

    Nice post. I discover something harder on diverse blogs everyday. Most commonly it is stimulating to read content off their writers and rehearse a specific thing at their store. I’d would rather apply certain with the content on my small weblog whether or not you don’t mind. Natually I’ll provide a link in your internet blog. Many thanks sharing.

  18. Basic strategy

    Heya this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML.
    I’m starting a blog soon but have no coding skills so I wanted to
    get advice from someone with experience. Any help would be greatly appreciated!

  19. online dating Service

    Hello there, I do think your website could possibly be having web browser
    compatibility problems. Whenever I take a look at your web site in Safari, it looks fine however,
    if opening in I.E., it’s got some overlapping issues.

    I merely wanted to provide you with a quick heads up!
    Other than that, fantastic blog!

  20. https://diyathletereviews.com/sex review

    Good site! I really love how it is simple on my eyes and the data are well written. I am wondering how I might be notified when a new post has been made. I’ve subscribed to your RSS which must do the trick! Have a great day!

  21. search results

    I have been browsing on-line greater than three hours these days, yet I never found any interesting article
    like yours. It is lovely value enough for me. In my opinion, if all webmasters and bloggers made just
    right content material as you did, the web might be a lot more useful
    than ever before.

  22. https://replicaswiss.nl/

    Wonderful blog! I found it while surfing around on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Thanks

  23. http://www.ketquamoinhat.com/

    Heⅼlo Tһere. Ӏ found y᧐ur weblog thе uѕe of
    msn. Τhat iѕ a reаlly smartly written article. Ι wіll bе ѕure
    to bookmark іt аnd come Ьack to гead extra օf your helpful
    information. Ꭲhanks foг the post. I’ll defіnitely return.

  24. read more

    Spot on with this write-up, I seriously feel this web site needs a great deal more attention. I all probably be back again to see more, thanks for the info!

  25. Website

    Wow, amazing blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your web site is fantastic, let alone the content!

  26. anal sex toys

    In a statement to Allure Magazine, IT Cosmetics said: “Bye Bye Foundation is the first ever full coverage moisturizer from IT Cosmetics.
    sex toys 93059

POST A COMMENT.