逗死了,听你们讨论才知道,原来ex-spouse也可以拿deceased ex的100% Social Security

m
mexicali
楼主 (文学峸)

居然有这种事儿?

那如果一个男的娶过10个老婆,等他死了岂不是国家要付1000%的SS?

怪不得social Security要破产了

e
eagleinflight
美国的社安金早就是冤大头了:)
u
usanyc80
只要前妻和男的婚姻超过10年就可以拿不过好像这个前妻应该是单身的吧
e
eagleinflight
如果不是前配偶是遗孀呢?男的走了女的能拿100%?我有点儿不信。
m
mexicali
哈哈
m
mexicali
我吃惊的是居然拿100%
m
mexicali
如果前配偶都能拿100%,那遗孀肯定更能啦
u
usanyc80
如果前妻再婚应该没有了
e
eagleinflight
60岁以后再婚可以。
m
mexicali
哦哦,有可能。
e
eagleinflight
我咋不信呢?too good to be true
e
eagleinflight
残废的话50岁以后再婚也可以。
m
mexicali
哈哈谁知道呢。不过估计social Security快不行了吧?
e
eagleinflight
我不相信能拿100%
m
mexicali
笑死了真的呀?
e
eagleinflight
底下吃素的狼说的:)
e
eagleinflight
全被全世界各处来的穷妇人靠跟美国糟老头结婚拿走了,哈哈哈
h
hhtt
配偶的社安金最高能拿到另一个配偶的50%。没有什么100%。
g
gladys
别急。好多高收入男都不结婚 :)
m
mexicali
对方死后可拿100%
S
Sequoia_CA
政府计算如何支付社保缴费的时候已经将这个条件计在内的啦,羊毛出在羊身上。
e
eagleinflight
这个听起来还差不多。
m
mexicali
哈哈哈哈哈
e
eagleinflight
没有吧?
e
eagleinflight
我觉得本来应该是为生孩子在家照顾孩子的妇女考虑的。
m
mexicali
看底下吃素的狼给的 link。
g
gladys
婚的也结不长。Elon Musk 两婚都不到10年。后来他索性不结婚了。
m
mexicali
有道理。
h
hhtt
看看这个社安金的文件怎么说的?

If You Are The Survivor | SSA

h
hhtt
配偶死后,也许可以拿多过100%的呢,那时的福利不是配偶福利,叫遗孀福利,可以多过配偶在世时的福利。
g
gzlady
不行啊, 离婚的要结婚十年以上才可以拿的。 如果他18岁结婚, 至少要118 去世岁才可以让这10个老婆拿到100%

的社安金啊

m
mexicali
哇塞。
m
mexicali
哈哈哈,原来如此:)
e
eagleinflight
乱讲。你下面给的临客说了,遗孀可拿一个reduced benefit,也就是说

不是100%

h
hhtt
刚刚去查了一下,我太太的遗孀福利比我能拿的社安金多200块一月。
S
Sequoia_CA
本来嘛,报税就是以一个家庭计算的吧,社保福利它是夫妻双方的劳动报酬,并非只是外出工作一方的“收入”。
L
LLHappily
I just googled and it says

Amount of Divorced Spouse's Survivors Benefit

Below are the different payment categories for surviving ex-spouse benefits:

If you are at or above full retirement age, you will receive 100% of your deceased ex-spouse's SSDI or retirement benefit. If you are between the ages of 60 and full retirement age, you will receive in the range of 71.5% to 99% of your deceased ex-spouse's SSDI or retirement benefit. If you are between the ages of 50 and 59 and disabled, you will receive 71.5% of your deceased ex-spouse's SSDI or retirement benefits. You must have become disabled before your ex-spouse died or within seven years of their death. If you are caring for a child under the age of 16 years old who is receiving dependents benefits on your deceased ex-spouse's record, you will receive 75% of your deceased ex-spouse's SSDI or retirement benefit, subject to the maximum family benefit.
h
hhtt
看来你的英文阅读和理解能力有待提高?
a
alwaysluck
还不要再婚,美国女人谁会为了拿前夫的SSN而有合适人不结婚的?很少吧
e
eagleinflight
Ok 我看错了,reduced说的是如果没到退休年龄的话。但是我没看到

有说遗孀可拿100%,或者多于100%

a
alwaysluck
社保税是工资6.2%和公司6.2%交的那部分,与家庭报税时的收入税是两码事
e
eagleinflight
就是呀,都是屎坑国家来的才这么做呢,哈哈哈,对不起我的language啦
a
alwaysluck
应该没有好好计算考虑,所以现在一直传言社保基金再过几年就破产快发不出来了
e
eagleinflight
我懒得学习啦
m
mexicali
这个讲的清楚。
m
mexicali
看下面LLhappily的回帖
g
gzlady
都是假设啦 :)
e
eagleinflight
看了,还是不太懂。SSDI不是我们说的社安金。retirement benefit不知道

是不是就是咱们说的社安金。

 

h
hhtt
如果60岁了,能拿,而且能结婚。不会失去社安金。
S
Sequoia_CA
我说的就是社保税。缴费与将来支付的可能性设计,全部条件都计算到了的,放心。这可不是一拍大腿随口许诺的东东。
a
alwaysluck
唉玛,这么大的新闻你都不知道?Congress 不通过提高社保率的法律,2035年开始就要出问题了!

The concepts of solvency, sustainability, and budget impact are common in discussions of Social Security, but are not well understood. Currently, the Social Security Board of Trustees projects program cost to rise by 2035 so that taxes will be enough to pay for only 75 percent of scheduled benefits. This increase in cost results from population aging, not because we are living longer, but because birth rates dropped from three to two children per woman. Importantly, this shortfall is basically stable after 2035; adjustments to taxes or benefits that offset the effects of the lower birth rate may restore solvency for the Social Security program on a sustainable basis for the foreseeable future. Finally, as Treasury debt securities (trust fund assets) are redeemed in the future, they will just be replaced with public debt. If trust fund assets are exhausted without reform, benefits will necessarily be lowered with no effect on budget deficits.

这是社保政府网站上的信息

e
eagleinflight
我觉得你的这个临客里说的100%,还是说的100%的

survivor benefit