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" ... Hi Larry, So I was married for 20 years and have been divorced for three. I am 60 while my ex is 55 and will not be retiring soon. I was told that even if he remarries, which he is planning to do since he just got engaged, that I can still receive my divorced spousal benefit. Is this true, and if so, when could I file? I know if I wanted to start at 62 years it would be less, but the money would really help me. What if I plan to remarry before 62. Any advice? Thanks, Renée ... "
" ... Those surviving spouses who have received a “portability allowance” from a deceased spouse of unused estate tax exemption will be relieved to know that this will not be reduced by the new rules. For example, if one spouse dies in 2021 and leaves all assets to the surviving spouse, then the surviving spouse will have an $11,700,000 portability allowance plus a $3,500,000 estate tax exemption and can therefore pass $15,200,000, unless he or she remarries and the new spouse dies before her, in which event the new spouse’s portability allowance will be substituted for the old ones. ... "
" ... Typically, we advise the child's inheritance is left to a trust of which the child is trustee. So far this is pretty common (but still too frequently overlooked!). Beats the heck out of just cutting a big check to the kid as inheritance, where it can be lost to all kinds of risk like divorce. Giving the child their inheritance in their own special trust helps to prevent it from becoming marital property and hence at divorce risk, as in "of course I love you honey and would love to put your name on the account, but Daddy set it up in a trust fund and that's how he wants it..." without restricting their access to the funds since they are the trustee (unless a threat appears, and they automatically lose trustee powers to the protector until the threat passes). Similar measures can be used to protect kids' inheritance, say if one spouse dies and the other remarries, from the clutches of a future step parent. ... "
" ... When a divorced spouse remarries, the presumption of dependency shifts from the former spouse to the new spouse. Therefore, based on the Social Security law, a divorced spouse cannot qualify for benefits on the record of a former spouse if they've remarried, unless they marry someone who is also drawing US Social Security benefits as a dependent. ... "