Remarriage

Can I File On My Ex's Record after Remarriage?

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I am 65, unemployed (laid-off), and have not yet started taking my Social Security. My FRA is 66 (April 2017). My wife is working part-time + (more than 20 hours a week but less than 40). She is 56 and her FRA is 66 years and 10 months. My ex-wife is 63 and has been employed longer than my wife because she took some years off to be a "stay-at-home" Mom. My ex has not yet started her Social Security and I don't know when she plans to. I would ask her but she pretty much hates me. The divorce and subsequent years have not been amicable.

Don’t take a one-time payment. You can’t count on dying on time

Eric: I’ll be 69 in April and have held off taking benefits up to this point. I did a calculation to see what the break-even point would be at starting times of 66, 67, 68, 69 and 70. It turns out that all of them reach the break-even point at about age 80 to 81, at which time I would have made up the “leave it on the table” money and start coming out ahead with higher benefits (even factoring in the interest income lost).