FILING FOR SOCIAL SECURITY AFTER DISABILITY

 FILING FOR SOCIAL SECURITY AFTER DISABILITY

BORN BEFORE 1954

   This post is directed to Americans born before 1954 who have been receiving disability payments from the social security administration.  Understand when you read this that I am not a financial expert nor do I work in the financial field.  I have researched the subject and this is how I understand the new rules:

   When you reach the age of 66, your payments will automatically switch from disability payments to social security payments at the same amount you have been receiving; the name will change but the amount won't.  You have to contact the social security Administration if you want to change that.  

   If you have been married for 10 years and your spouse (or former spouse) has filed to receive his social security payments, you are entitled to file for what is referred to as spousal benefit.  This benefit WILL NOT affect the amount of money he receives from Social Security; this amount is paid IN ADDITION TO what they pay him.

   Let me clarify about the "former spouse":  If you were married at least 10 years then divorced and never remarried, you are entitled to the spousal benefit.

   And this is a quote from the Social Security Administration's own website:   

"If a spouse is eligible for a retirement benefit based on his or her own earnings, and if that benefit is higher than the spousal benefit, then we pay the retirement benefit. Otherwise we pay the spousal benefit."

   A side note is that for those born AFTER 1954:  They will be deemed to be applying for their own benefits and their spousal benefits when they apply, and will receive the one which is larger.

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