Ask Rusty - Divorced Multiple Times

Dear Rusty: Reading your current letter regarding Social Security benefits for ex-spouses, I pose this question: Would an individual who has had multiple marriages be entitled to distributions of Social Security for each of his or her marriages? Signed: Thrice Divorced

Dear Thrice: No, I'm afraid that you are entitled to benefits from only one of your marriages, so obviously you would want to pick the one which gives you the greatest benefit. That would normally be from the ex-spouse who was entitled to the highest benefit based upon his or her own lifetime work record. You would have to be at least 62, have been married to that ex-spouse for at least 10 years and not be currently married to receive benefits on your ex-spouse's work record. Also, any benefit you are entitled to as an ex-spouse would need to be more than you are entitled to on your own work record; otherwise you will only receive what you are entitled on your own work record. You can apply for benefits on an ex-spouse's record even if your ex-spouse is not yet collecting Social Security, if you have been divorced for at least two yearsand if they are at least eligible to collect (at least age 62 or receiving SSDI).

If you were born before January 2, 1954 and have not yet filed, you can wait until your own full retirement age to apply for spousal benefits only based on your ex-spouse's record (Restricted Application), allowing your benefit based on your own work record to grow in order to receive a higher benefit later. If you wait until your full retirement age to apply, you'll be entitled to 1/2 of your ex-spouse's full benefit (or disability benefit), but if you apply earlier your benefit amount will be reduced. And if your ex-spouse has died, you would still be entitled to widow(er)'s benefits. Note that you collecting benefits on an ex-spouse's record does not affect your ex-spouse's benefit, nor will it affect the benefit of anyone else (e.g., a current spouse) also getting benefits from your ex-spouse's record.

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.

More Resources

Introducing the Best Available Long Term Care Policy Guarantee
If you're 60 to 70 years old ..
Advocate For Senior Citizens - Protecting Against Abuse and Fraud
Ruth is 87 years old this year and has been living alone since 1997. She is in good health, however the daily chores around the home became increasingly difficult.
Board and Care Homes - What Are They?
Board and Care homes (also known as RCFE's - Residential Care Facilities for the Elderly) are residential private homes that have been licensed by the Department of Social Services to provide services to seniors. Most accept no more than six residents, but offer a cozy, home-like setting for frail seniors.
The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels
Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.
New Hope for Alzheimers Treatment
There is now widespread agreement among research scientists and medical professionals that Alzheimer's Disease (AD) is a problem quickly growing to vast proportions. As the life expectancy of Americans continues to rise, increasing the percentage of the population over 65 years of age, so does the number of Alzheimer's cases.
Ask Rusty - Child Benefits Stopped at 18
Dear Rusty: I received my Social Security payment for February but not for the month of March.
Compare Nursing Homes
Finding the best nursing home is easier than you might think. That is assuming there is more than one nursing home in your area so that you have something to compare.
Good news: A 2018 increase for Social Security beneficiaries
The good news is that Social Security beneficiaries will get a 2% boost in their checks in 2018 compared to the stingy three-tenths-of one-percent increase awarded in 2017, according to Dan Weber, president of the Association of Mature American Citizens [AMAC].
Solitary Confinement -- for Life
Sixty-five year old Arthur Jones served a self-imposed life sentence - in his own home.Arthur lived in a high crime neighborhood, so he built iron cages around his outside doors and installed bars on all the windows.
Could You Be Missing Out On Senior Discounts? Here Are A Few Things To Know
People who reach or near their retirement years often need to watch every penny.
Short Trips Can Stimulate Alzheimers Patients
Severe degradation of short-term memory means that my father, an Alzheimer's elder, is seldom interested in movies or books. And, although music used to be a source of enjoyment, he no longer listens with pleasure.
Assisted Living Facilities - What Are They?
Assisted Living facilities are generally for person's 60 years of age and older. Typical candidates need assistance with "Activities of Daily Living" (ADLs), but wish to live as independently as possible.
Mom Wont Participate!
Q: Six months ago we placed my mother in an assisted living facility. She gets along fairly well, but we thought she would get involved with all of the activities.
Hinged Rail Stair Lifts
If a door at the top or the bottom of the stairs may be blocked by the rail of the stairlift, there are a number of models designed to overcome this problem. Some manufacturers are able to produce a rail with reduced overhang upstairs, so the lift will not protrude as far into the hallway.
Scaling Down (almost) Painlessly
Moving to a smaller house or apartment in a retirement community almost always involves a certain degree of trauma, both for the elder who's moving and for family members. However, by planning ahead you can reduce the discomfort involved and turn what might well become a nightmare into a pleasant event.
What About Tennesse Dept. of Human Services Abuse of the Elderly and Their Families?
PART I: Physical Abuse of the Elderly vs. Tennessee DHS Abuse of FamiliesDuring the week of October 26, 2003, newspapers across the state of Tennessee published an Associated Press story that featured the glaring news headline, "Reports of neglect and abuse of senior citizens up 40% in six years.
The Best Investment You Can Make Right Now: Long Term Care Insurance
Don't think you need it? Consider this: a full 50% of Americans over the age of 50 will need long term care at some point in their lives. The average cost of nursing facility care (or home health care assistance) is $61,000 per year, and the average stay in a long term care facility is 2½ years.
Stair Lifts - Straight and Curved Rails
There are two types of stairlift. Straight and curved.
Long Term-Care; 70 Million Americans Will Be Over 65 by 2003
We will all grow old; this is a given. We will all have health issues as we grow older, this also is a given.
Long Term In-home Care Options
Are you worried that you may lose all your life's earnings and nest egg due to the rising costs of in-home long term care? As you get older do you have the necessary finances to protect yourself from going broke while slightly incapacitated? Many seniors are worried about are worried about the costs of long-term health care.Are you worried that if something happens to you, that you may run out of money and burn thru their reserves and all your nest egg.
>

More Elder Care Information:

Related Articles

Scaling Down (almost) Painlessly
Moving to a smaller house or apartment in a retirement community almost always involves a certain degree of trauma, both for the elder who's moving and for family members. However, by planning ahead you can reduce the discomfort involved and turn what might well become a nightmare into a pleasant event.
Five Tips for Seniors When Choosing Online Workout Classes
The first month of the New Year is galloping by and many folks are still sorting out their goals and resolutions for 2021. Hooray for you if you've already set your goals. For those hesitating to set new fitness goals after having last year's sidetracked by gym closures, it's time to get back in action.
End The Tax on Aging
"No one likes to pay taxes. But, it can be downright painful if you are elderly and your income from Social Security is not enough to support retirement. So you try to make ends meet by taking on a job. And then you learn that not only do you have to pay taxes on your earnings from that job but also on your Social Security income, which you funded in the first place with taxes you paid when you were working full time," says senior activist Bob Carlstrom.
Local Businesses Serving Seniors Prove Commitment to Quality Care
Good news! You no longer have to risk chance when it comes to selecting a reputable elder care service for yourself or for a loved one. Senior Approved Services has certified a select number of businesses in our area serving the elderly and disabled populations.
Helping Caregivers Get Comfortable Asking For Help
Becoming a care giver might not have been a conscious decision on your part. It may have arrived quietly and unnoticed because you are the adult child of your elderly parents who now require care or you may have a special needs child that exacts your constant attention or a friend or spouse has become very ill and needs your support.
Long Term In-home Care Options
Are you worried that you may lose all your life's earnings and nest egg due to the rising costs of in-home long term care? As you get older do you have the necessary finances to protect yourself from going broke while slightly incapacitated? Many seniors are worried about are worried about the costs of long-term health care.Are you worried that if something happens to you, that you may run out of money and burn thru their reserves and all your nest egg.
Ask Rusty - Raiding the Social Security Trust Fund
Dear Rusty: I would like to know how much money has been taken out of Social Security by presidents, and was any paid back with or without interest on the withdrawal? Signed: Wants to Know
If Using The Stairs Has Become A Daily Struggle, A Stair lift Could Change Your Life
Using stairs is an everyday nightmare for many people. As we grow older the stairs in our home can become more of a struggle due to mobility problems associated with old age, an accident or illness.
When the Box is Empty
The King had a modest kingdom. He was Danish.
The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels
Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities and your health concerns.
Whos Gonna Take Care of You When Youre Old?
I finally went to the doctor this morning for my bad cold. My appointment was for 9:30 am and yet I didn't get home until after 1:00 pm.
What You Need to Know About Helping Senior Citizens
IntroductionThe baby boomers is the population which haven taken birth after second world war till 1965 when there was a tremendous increase in birth rate due to the social and economic development in the USA. Now this population is going into the old age and thus bringing a burden to the nation as the country has to take care of not only the food and shelter but also the medical care.
Senior Care for Alzheimer's
As a person ages, a certain amount of memory loss and confusion is quite normal. Personally, I've been known to invoke the cliché, "The older I get, the better I was!" Unfortunately, Alzheimer's disease represents a more serious loss of mental sharpness and calls for special care for seniors.
Honey, Where Are The Car Keys?
Q: My mother is always losing, hiding and hoarding things, I am losing my mind! What can I do to get her to stop?A: This is a great question and I have a lot of material to work with.My grand mother had made me the most beautiful doilies.
The Dryer Ate Your Underwear!
Q: My mom is in the early stages of dementia and she is also incontinent we have tried to get her to stop wearing her underpants and have her start wearing pull-up diapers, she throws the Depends out the door and puts her underpants on. Of coarse we have a lot of laundry! How should I handle this?A: This one should be fairly easy to solve.
Stairlifts - Take the Struggle Out of Climbing the Stairs
Buying a stairlift can have huge benefits for your quality of life, giving you back some freedom and independence. Stairlifts can be adapted to your individual needs, so no matter what your requirements are, there'll be one to suit you.
Exercise Walking For Seniors: Preventing Foot Problems
Exercise has a very important role in the general health and the quality of life of everyone, but especially in seniors. Seniors who walk tend to look younger, sleep more soundly and have fewer visits to the doctor.
Skilled Nursing Homes - What Are They?
A skilled nursing home is a medical facility providing services similar to a hospital. The homes are staffed with licensed nurses, shared rooms, hospital beds, regular scheduled doctor rounds, meals and housekeeping.
Scaling Down (Almost) Painlessly
Moving to a smaller house or apartment in a retirement community almost always involves a certain degree of trauma, both for the elder who's moving and for family members. However, by planning ahead you can reduce the discomfort involved and turn what might well become a nightmare into a pleasant event.
Hinged Rail Stair Lifts
If a door at the top or the bottom of the stairs may be blocked by the rail of the stairlift, there are a number of models designed to overcome this problem. Some manufacturers are able to produce a rail with reduced overhang upstairs, so the lift will not protrude as far into the hallway.
>