Why You’re NOT Getting 50% of Your Spouse’s Social Security (The Truth About Spousal Benefits) скачать в хорошем качестве

Why You’re NOT Getting 50% of Your Spouse’s Social Security (The Truth About Spousal Benefits)

If you'd like personalized assistance with your retirement planning, book a 20-minute call with us to schedule your Free Retirement Assessment. ✅ 📆 FREE RETIREMENT ASSESSMENT 📆 ✅ https://www.theother90.com/free-asses... 🕒 - - Social Security Playlist:    • Social Security   - - In this video, we break down the surprisingly tricky rules around Social Security spousal benefits — and why that “50%” number you’ve heard may not be what you actually get. You’ll learn: ✅ Who qualifies (and who doesn’t) ✅ How much you’ll really get — and how filing age changes everything ✅ The hidden exceptions (like the one-year marriage rule you might not need to meet) ✅ What happens if you’re divorced ✅ And why filing on your own record first might affect your future spousal amount We’ll walk through examples using real numbers and clear visuals — including a helpful case study with Jim and Pam — to show you how benefits are calculated, how reductions are applied, and how to make the smartest decision for your retirement. 💡 This is one of those videos that could easily save you thousands of dollars — or months of confusion. ⸻ 🕒 Chapters 00:00 – Intro: Why Spousal Benefits Are Confusing 00:56 – Eligibility Requirements 02:46 – Exceptions to the One-Year Marriage Rule 03:55 – Ex-Spouse Spousal Benefits 04:22 – How to Calculate Spousal Benefits 05:24 – Filing Age & Reduction Factors 07:11 – Real-Life Example: Jim and Pam 10:55 – Dual Entitlement Explained 13:03 – Wrap-Up + Next Steps Corrections: 4:03 I didn’t cover this point in the video because it wasn’t the main topic, but it’s important to note: to claim a divorced spousal benefit, your ex-spouse must be at least age 62 and be fully insured. This video is not a full guide to divorced spousal benefits, so please don’t rely on it for complete information about that topic — it’s not explained thoroughly here. (One topic at a time!) You can see this requirement noted on the POMS reference shown on screen here: [POMS RS 00202.005 (https://secure.ssa.gov/poms.nsf/lnx/0..., where it states you must “be the divorced spouse […] of a fully insured worker age 62 (the NH must be 62 throughout the first month of entitlement but need not have filed a claim for benefits).” 12:07 In this video, I want to clarify an important detail about Social Security spousal and survivor benefits. If you are already entitled to spousal or divorced spousal benefits when you apply for your own retirement benefit, the “deemed filing” rule applies — meaning Social Security automatically considers both benefits at that time. However, if you are not yet entitled to a spousal or divorced spousal benefit at the time you file for your own retirement benefit (for example, your spouse or ex-spouse hadn’t filed yet), you would need to proactively apply later when you do become eligible. Additionally, survivor benefits (for widows, widowers, or divorced surviving spouses) are not subject to deemed filing. Survivor benefits are entirely separate and always require a proactive application when a spouse or ex-spouse passes away. It’s important to contact Social Security to review your eligibility whenever a major life event occurs (like a spouse filing or passing away) to ensure you receive the highest benefit available to you. Sources: • POMS GN 00204.035 – Deemed Filing Rules • POMS RS 00207.001 – Entitlement to Widow(er)’s Benefits (Available at secure.ssa.gov/poms.nsf) Thanks for watching, and I appreciate the opportunity to clarify this important point! ⸻ 📊👥💡 Don’t forget to like, subscribe, and drop a question in the comments if anything is unclear — I’ll try to answer every one. And if you want more Social Security insights, check out the playlist linked at the end. ⚠️ DISCLAIMER: ⚠️ The content presented in this video by David Dodd, CFP®, CKA® and The Other 90 Financial, LLC is intended for educational purposes only and should not be construed as specific tax, legal, or investment advice. Viewers are advised to consult with their own tax, legal, or investment advisor before making any financial decisions based on the information provided in this video. While we strive to ensure the accuracy of the information presented, neither David Dodd, CFP®, CKA®, nor The Other 90 Financial, LLC make any warranties or representations regarding its completeness or accuracy.