![]() ![]() As a former spouse, you also have eligibility to a retirement benefit based on your ex-spouse’s work record beginning at your age 62. As for retirement benefits, at age 62-plus, you can get retirement benefits on your new spouse’s work if those benefits are higher. To collect a survivor benefit, you must be age 60 or caring for a child under age 16. If you are the divorced spouse of a worker who dies, you could get survivor benefits as long as your marriage lasted 10 years or more. Regarding Social Security: Survivor payments continue for remarriages at/after age 60 (or age 50 if you’re disabled). If the retiree dies, survivor programs and benefits (including TRICARE) will start - unless the SBP is owned by a former spouse. If you have remarried a military retiree, all of these benefits will continue. If the remarriage ends, ID card-related benefits will return, but TRICARE benefits are lost forever. Unless you remarry another military retiree, all other military benefits stop during the remarriage (TRICARE and ID card-related). (While it's a completely different topic, those with questions about the process eliminating the DIC offset from SBP payments can find answers at this link.) If the remarriage ends, payments can start again. If you are younger than 55, both SBP and DIC payments will be suspended. If you are 55 years old or greater, SBP and DIC payments will continue after you get remarried. One’s age at remarriage can affect survivor benefits. Situation 2: A surviving spouse wants to remarry and has concerns about SBP and Dependency and Indemnity Compensation (DIC) payments. The ex-spouse and current spouse cannot be covered simultaneously. These actions allow the retiree to change the beneficiary to the current spouse. Once a former spouse is awarded SBP due to a legal divorce document, only a change to the legal document - or the death of the former spouse - will release the SBP back to the retiree. Situation 1: A retiree is remarrying, and their former spouse holds the Survivor Benefit Plan (SBP). These represent some of the top remarriage concerns as they relate to finance. MOAA has heard from members seeking remarriage guidance, with many covered by the situations listed below. Recent changes in law, including some stemming from legislation signed this month, have changed what remarriage will mean for you and your earned benefits. ![]()
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