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Social Security’s “Potential Entitlement” Initiative
It’s commonly believed that once you claim your Social Security benefit, the amount you first receive is what you will get forever (except for cost of living adjustments (COLA)). Actually, situations sometimes occur which could mean a higher benefit amount, such as eligibility for a higher survivor benefit, an ex-spouse benefit, or even a higher benefit if you continue to work after benefits start. To facilitate learning about such opportunities, Social Security created a “Potential Entitlement” initiative back in 2017 which is still operating well today. This blog by Social Security’s Deputy Associate Commissioner Dawn Bystry explains the Potential Entitlement program, and includes a link to get more information on additional benefits you might be entitled to. Click here to read more.
I am impressed with the wealth of information and encouragement from your on line info. Reassuring to feel that you are actually there to help me through this tough time. My divorce is not yet granted but I plan to make an appt to get the ball rolling at the first opportunity. I have all the documentation you will need for the process:
HOW LONG DOES IT USUALLY TAKE FROM APPLICATION DATE TO ACTUALLY RECEIVING THE INCREASED FUNDS?
Barbara,
Thank you for your kind words. I assume you are asking how long it will take after applying for ex-spouse benefits before those benefits start. Social Security recommends that you apply for benefits about 2 months before you wish those benefits to begin to allow sufficient time to process your claim. But be aware also that there are certain restrictions related to ex-spouse benefits. Your ex must already be collecting benefits before you can apply for ex-spouse benefits, and you must be at least 62 years old. By applying for ex-spouse benefits you will also be applying for your own SS retirement benefit and will only get a spousal boost to your own amount if your full retirement age (FRA) entitlement is less than half (50%) of your ex-spouse’s FRA entitlement. The remaining eligibility criteria are essentially the same as when you were married, including that you cannot claim an ex-spouse benefit without also claiming your own. If you have more specific questions about your entitlement to ex-spouse benefits, please email those questions to us at [email protected], or call us at 1.888.750.2622.
Russell Gloor
National Social Security Advisor
The AMAC Foundation