Social Security benefits can be complicated, especially when ex-spouses are involved. One of the most common questions is whether a husband’s ex-wife can benefit from his Social Security. The answer is yes—under certain conditions. Let’s break it down. When Can an Ex-Spouse Collect on Social Security? An ex-wife may be eligible to receive Social Security benefits based on your husband's earnings if the following conditions are met: 1. Length of Marriage: They must have been married for at least 10 years. 2. Current Marital Status: The ex-wife must be currently unmarried. 3. Age Requirement: She must be at least 62 years old. 4. Benefit Amount: Her own Social Security benefits must be less than what she would receive based on your husband's work record. Does This Affect My Husband’s Benefits? No, the ex-wife’s ability to draw on your husband’s Social Security does not reduce or affect the benefits he, or you, as his current spouse, may receive. Social Security is designed to allow ex-spouses to claim benefits without impacting the total amount paid out to the primary beneficiary or their current spouse. How Much Can the Ex-Spouse Receive? If all the conditions are met, the ex-spouse can receive up to 50% of your husband’s full retirement benefit. However, she will not receive any portion of the benefits you or your husband would receive as a couple, nor will this affect survivor benefits if your husband passes away. What If the Ex-Spouse Remarries? If the ex-wife remarries, she generally loses the right to claim benefits from your husband’s Social Security. The exception is if her second marriage ends in divorce or death, in which case she may once again be eligible to claim from either the first or second husband's record—whichever is higher. What About Survivor Benefits? If your husband passes away, his ex-wife could be eligible for survivor benefits, provided she meets the above criteria and is 60 or older. She could receive the full benefit amount he was receiving, but again, this would not reduce your own survivor benefits. The Bottom Line An ex-spouse can draw from your husband’s Social Security benefits under specific conditions, but this does not affect your benefits. It’s a good idea to stay informed about Social Security rules to ensure that you and your family are prepared for retirement or any unexpected changes. If you have any more questions about Social Security, retirement planning, or life insurance, feel free to reach out to Leverson Legacy Insurance. We’re here to help you plan for the future and protect what matters most.

Choosing the right Medicare agent or broker is important in ensuring you receive the best healthcare coverage suited to your needs. With the complexities of Medicare, a knowledgeable agent can make all the difference in navigating your options. Here’s how to find a Medicare agent with your best interests in mind and key questions to ask before committing. 1. Start with Recommendations and Research When beginning your search, a personal recommendation from someone you trust is often the most reliable route. Family, friends, or local community members who’ve had positive experiences with Medicare agents can help guide you toward a trustworthy professional. If personal recommendations aren’t available, you can call Natausha at Leverson Legacy Insurance, who can assist with any questions and guide you through the Medicare enrollment process. She is available to help you understand your options and find the best plan for your needs. 2. Look for a Licensed, Knowledgeable Agent It’s essential to ensure the agent you’re working with is licensed to sell Medicare plans in your state or region. A good Medicare agent will not only be licensed but will also have an in-depth understanding of the Medicare landscape and the specific needs of beneficiaries. They should be able to walk you through the enrollment process and explain the options available to you clearly and concisely. 3. Empathy and Tailored Recommendations A great Medicare agent won’t take a one-size-fits-all approach. They should take the time to understand your unique needs—financial situation, healthcare goals, and personal preferences. Whether you need language support or require a network of specialists for a particular condition, the agent should offer personalized recommendations. For example, if you speak Spanish, a qualified broker will ensure they find a plan with doctors and healthcare providers who can communicate with you effectively. The goal is to tailor your Medicare coverage to align with your lifestyle and healthcare needs. 4. Questions to Ask a Medicare Agent Before choosing a Medicare agent, it’s important to ask the right questions to assess their qualifications, experience, and approach. Consider these key questions: What part of the enrollment process are you able to help me with? Understand their role in helping you navigate the often-confusing enrollment procedures. Are you licensed in my state? Always confirm their credentials to avoid any regulatory issues later. Which plans do you work with, and why? This helps you gauge the variety and quality of plans they offer, as well as how well they understand the strengths of each option. What type of beneficiary would not be a good fit for the plan(s) you offer? This question is critical because a good agent will not try to sell you a plan that doesn’t fit your needs. Would traditional Medicare be enough coverage for me? Ask this to ensure that you’re not being pushed into an unnecessary supplemental plan if original Medicare meets your requirements. If I change my mind and want to switch plans, what is that process like? Medicare plans can be changed, but the process is not always simple. Understanding this beforehand can save you from future headaches. Are you available for follow-up questions? The relationship with your agent should not end after enrollment. Make sure they are available to help with any issues or changes down the road. Beware of Red Flags When searching for a Medicare agent, be cautious of those who pressure you into making quick decisions or who do not provide clear answers to your questions. A reputable agent will focus on educating you and providing information that allows you to make the best decision, rather than pushing a particular plan for a commission. Conclusion Finding a good Medicare agent or broker doesn’t have to be overwhelming. By following these steps and asking the right questions, you can ensure that the agent you work with is both knowledgeable and aligned with your healthcare needs. At Leverson Legacy Insurance , we believe in empowering our community to make informed decisions about their health coverage. Whether you're navigating Medicare for the first time or exploring new options, we are here to guide you every step of the way.

At Leverson Legacy Insurance, we are committed to providing top-tier insurance solutions and fostering awareness about critical health issues that impact our communities. This commitment has taken on personal significance for me, as I lost my mother to lung cancer this past April 2024. Her battle has strengthened my resolve to help others who face similar challenges. As part of our dedication to health awareness, we are proud to collaborate with Gori Law Firm in promoting awareness about mesothelioma cancer, a devastating disease that has impacted countless lives. What is Mesothelioma? Mesothelioma is a rare and aggressive form of cancer that develops in the lining of the lungs, abdomen, or heart. The primary cause of mesothelioma is asbestos exposure, a group of minerals once widely used in construction, manufacturing, and various industries. Asbestos fibers, when inhaled or ingested, can lodge in the mesothelial tissue, causing inflammation and, over time, leading to cancerous growth. Gori Law Firm: Advocating for Mesothelioma Victims Our partnership with Gori Law Firm is driven by a shared mission to provide support to those affected by asbestos-related diseases like mesothelioma. The Gori Law Firm has successfully settled hundreds of cases, securing over $4 billion in verdicts and settlements. Their expertise and dedication make them a valuable ally in the fight for justice and compensation for mesothelioma victims. The Importance of Awareness and Action Raising awareness about mesothelioma can help prevent future cases and ensure that those affected get the help they need. If you or a loved one has been diagnosed with mesothelioma, it’s crucial to seek legal advice. The Gori Law Firm offers comprehensive resources and legal services to guide you through this challenging time. For more information, visit the Gori Law Firm’s mesothelioma guide [ here ] At Leverson Legacy Insurance, we stand with you in the fight against mesothelioma, offering both insurance solutions and a commitment to advocacy. Together, we can make a difference.

In the world of health and wellness, having a reliable health insurance policy is an essential safeguard against life’s unpredictable events. The story of the late actress, Shannen Doherty, serves as a poignant reminder of how crucial it is to maintain continuous health insurance coverage. Doherty, who bravely battled breast cancer for several years, tragically passed away after a long fight with the disease. Her struggle was first publicly disclosed in a 2015 lawsuit against her former business managers, where she alleged that their mismanagement led to a lapse in her health insurance coverage. This gap in coverage had severe implications for her, as it delayed her diagnosis and treatment, ultimately complicating her battle against cancer. The lapse in Doherty’s health insurance meant that when she needed it the most, she was left vulnerable and without the crucial support that insurance provides. This scenario underscores a fundamental truth: maintaining continuous health insurance is not just about complying with regulations or avoiding penalties; it’s about ensuring that when health crises arise, you have the necessary support to manage them effectively. Doherty’s experience brings to light the often-overlooked risks associated with lapses in health insurance coverage. Health issues can arise suddenly and without warning. In Doherty’s case, her cancer returned in 2020, advancing to stage four. This devastating recurrence was a stark reminder of the unpredictable nature of health issues and the importance of being prepared at all times. Having health insurance provides a critical safety net that ensures you have access to necessary medical care when you need it. This coverage can make a significant difference in the outcomes of health crises by providing timely access to treatments, medications, and specialist care. Without insurance, the financial burden of medical care can be overwhelming, often leading to delays in treatment and poorer health outcomes. Moreover, continuous health insurance coverage provides peace of mind. Knowing that you are protected in the event of illness or injury allows you to focus on your recovery rather than the financial implications. This peace of mind is invaluable and can significantly impact your overall well-being. At Leverson Legacy Insurance, we understand the importance of maintaining health insurance coverage. We are dedicated to helping our clients find the best health insurance plans that suit their needs, ensuring they are always protected. Our partnerships with top health insurance companies like Ambetter, United Healthcare, Aetna, and Humana allow us to offer a wide range of options tailored to meet the diverse needs of our clients. We urge everyone to take a proactive approach to their health insurance. Don’t wait for a health crisis to realize the importance of coverage. Regularly review your insurance policy, stay informed about your benefits, and make sure your coverage is continuous. Your health is your most valuable asset, and maintaining health insurance is a crucial step in safeguarding it. Let the story of Shannen Doherty be a powerful reminder of the importance of this protection. Don’t let your health insurance lapse; your future self will thank you.

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