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Retirement Planning/work and draw my ex husbands ss

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Question
I was married for 14 yrs and have been divorced 34 and never remarried .. My ex is 69 and draws SS .. I will be 62 this yr .. Can I still work and draw his SS .

Answer
Richard Reyes, CFP
Richard Reyes, CFP  
First and foremost I would contact Social Security and ask them to provide a complete calculation for your benefits. I would then visit with a Certified Financial Planner to go over your benefits and how they will marry with your other retirement assets, income, and taxes. It also gives them an opportunity to review your benefits as often times the Social Security Administration has errors or they are making assumptions.

First, you must have been married to your ex-spouse for at least 10 years. Second, you must be at least 62. Third, you must be unmarried currently. And fourth, you can't be entitled to a higher Social Security benefit on your own accord.

Assuming you satisfy this four-part test, in turn, you have effectively the same rights vis-a-vis your spousal share of an ex's Social Security. Namely, while the ex is living, you're entitled to as much as 50% of his or her monthly payout. And when that person dies, you assume survivor's benefits, which qualify you for as much as 100% of the deceased ex-spouse's benefits.  

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Richard E. Reyes, CFP

Expertise

I can provide answers to questions relating to retirement especially relating to; income distribution, tax efficiency, long-term care insurance, life insurance, estate planning, asset protection, variable and fixed annuities, alternative investments and prudent portfolio design.

Experience

Through the years Richard has built a reputation as one of Central Florida's expert on retirement income distribution by providing sound, unbiased wealth coaching. We believe that Financial Planning is the problem and Wealth Coaching is the solution. The Wealth Coaching process gives you Peace of Mind, so you can stop worrying about your future. It helps you find happiness as it guides you in the TRUTH of investing, by teaching you how to make wise choices as you journey through your life’s stages. It is all about your relationships and what you value, not your net worth.

Publications
Seminole Success Magazine “Retirement Planning” Seminole Success Magazine “Small Business Snapshot” The Orlando Sentinel – Ask the Expert Financial Section (Various) Greater Orlando Broker Agent Magazine “The New It” Senior Market Advisor “Random Reader, Random Questions”

Education/Credentials
B.S. University of Florida, Gainesville, FL
CFP Certificate, University of Central Florida, Orlando, FL

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