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Our Weekly Blog

Handling An Unplanned Early Retirement Thumbnail

Handling An Unplanned Early Retirement

Early retirement can sound quite appealing. But sometimes it happens unexpectedly when you are NOT ready to retire - due to illness, disability, caretaking responsibilities or a sudden job loss. With a job loss, many struggle to find new employment and may face the prospect of an unexpected early retirement, especially if they are over 50. What can you do if you face an unplanned early retirement?

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Social Security Benefits After a Divorce Thumbnail

Social Security Benefits After a Divorce

The maximum ex-spousal benefit is up to 50% of the higher earner’s benefit and capped at the ex-spouse’s full retirement age (FRA) amount, also known as the Primary Insurance Amount (PIA). While most will get a higher SS benefit based on their own earnings record, some will qualify for a higher benefit using their ex-spousal benefit. With a significant increase in “gray divorce” over the past 30+ years, divorced individuals belong to a generation where many women left or remained out of the workforce to care for children or elderly family members. If you are the lower-earning spouse due to a limited work history or a significant income gap compared to your ex-spouse, collecting benefits based on your ex’s record could raise the amount of your monthly Social Security benefit.

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