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Your Social Security Divorce Options Have Just Changed

Your Social Security Divorce Options Have Just Changed

If you are divorced, the recent changes to the Social Security law may mean that you will not be able to collect as much from Social Security as you had thought.  That is because the Budget Act of 2015 eliminated the option for anyone born after 1953 to file what is called a restricted application.

A restricted application allowed you to begin collecting a Social Security retirement benefit from your ex-husband at your full retirement age and then switch to receiving benefits based on your work history at age 70.  This made sense for many divorced women because for every month you delay starting your Social Security benefits, the amount of your monthly benefits increases.  A restricted application would allow you to get paid based on your ex-husband’s Social Security benefits while waiting for your benefits to grow larger.

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Five Surprising Facts About Divorce and Social Security

Five Surprising Facts About Divorce and Social Security

Not too long ago, a friend of ours gave us a bottle of pure maple syrup from Vermont.  It was delicious.

It got me thinking about the process of how maple syrup was made.  I wasn’t sure how they got syrup from a tree, so I did a little bit of online research.  Apparently, they put what they call a spile into a tree and the tree sap comes out through the spile and into a container below.

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Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

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