{"id":373676,"date":"2026-04-10T23:33:21","date_gmt":"2026-04-10T23:33:21","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/373676\/"},"modified":"2026-04-10T23:33:21","modified_gmt":"2026-04-10T23:33:21","slug":"new-social-security-rule-could-mean-thousands-more-for-widows-and-divorced-spouses-are-you-eligible","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/373676\/","title":{"rendered":"New Social Security Rule Could Mean Thousands More for Widows and Divorced Spouses \u2014 Are You Eligible?"},"content":{"rendered":"\n<p class=\"yf-1fy9kyt\">A recent change to Social Security is already putting more money into the hands of some retirees, including widows and divorced spouses.<\/p>\n<p class=\"yf-1fy9kyt\">The update has led to higher <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/what-is-social-security\/?hyperlink_type=manual&amp;utm_term=incontent_link_1&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=1&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:monthly benefits;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;monthly benefits&quot;}\" class=\"link \">monthly benefits<\/a> for some and lump-sum payments for others, with billions already distributed.<\/p>\n<p class=\"yf-1fy9kyt\">According to the <a href=\"https:\/\/www.ssa.gov\/benefits\/retirement\/social-security-fairness-act.html?tl=0%2C2\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Social Security Administration;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Social Security Administration&quot;}\" class=\"link \">Social Security Administration<\/a> (SSA), more than $17 billion has already been paid to millions of beneficiaries.<\/p>\n<p class=\"yf-1fy9kyt\">The increased payments are tied to a recent Social Security rule change that <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/widowed-divorced-ways-to-maximize-your-social-security-benefits\/?hyperlink_type=manual&amp;utm_term=incontent_link_2&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=2&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:could mean thousands more for widows and divorced spouses;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;could mean thousands more for widows and divorced spouses&quot;}\" class=\"link \">could mean thousands more for widows and divorced spouses<\/a>. Are you eligible?<\/p>\n<p class=\"yf-1fy9kyt\">Trending Now: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/biggest-problems-facing-social-security-2026\/?hyperlink_type=manual&amp;utm_term=related_link_1&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=3&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:3 Biggest Problems Facing Social Security in 2026;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;3 Biggest Problems Facing Social Security in 2026&quot;}\" class=\"link \">3 Biggest Problems Facing Social Security in 2026<\/a>\u00a0<\/p>\n<p class=\"yf-1fy9kyt\">For You: <a href=\"https:\/\/www.gobankingrates.com\/investing\/real-estate\/cities-to-consider-if-youre-retiring-in-2025\/?hyperlink_type=manual&amp;utm_term=related_link_2&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=4&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:8 Clever Ways Retirees Are Earning Up To $1K per Month From Home;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;8 Clever Ways Retirees Are Earning Up To $1K per Month From Home&quot;}\" class=\"link \">8 Clever Ways Retirees Are Earning Up To $1K per Month From Home<\/a>\u00a0<\/p>\n<p class=\"yf-1fy9kyt\">In this case, the new <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/social-securitys-max-benefit-everyone-rest-of\/?hyperlink_type=manual&amp;utm_term=incontent_link_3&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=5&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Social Security;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Social Security&quot;}\" class=\"link \">Social Security<\/a> rule mainly applies to widows and divorced spouses whose spouse worked in public-sector jobs where Social Security taxes were not always paid.<\/p>\n<p class=\"yf-1fy9kyt\">This can come up in situations where one spouse spent a career in public service while the other worked in jobs covered by <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/how-much-social-security-check-increase-2026-by-age\/?hyperlink_type=manual&amp;utm_term=incontent_link_4&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=6&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Social Security;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Social Security&quot;}\" class=\"link \">Social Security<\/a>, leaving a gap in how benefits were calculated.<\/p>\n<p class=\"yf-1fy9kyt\">In the past, benefits in these situations were often reduced if the spouse also received a pension from that work, per the <a href=\"https:\/\/www.ssa.gov\/policy\/docs\/program-explainers\/government-pension-offset.html\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:SSA;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;SSA&quot;}\" class=\"link \">SSA<\/a>. In some cases, those reductions significantly lowered or even eliminated spousal or survivor benefits.<\/p>\n<p class=\"yf-1fy9kyt\">With those reductions now removed, some surviving and divorced spouses may qualify for higher benefits than before. Not everyone will see a change, since it depends on each person\u2019s work history and pension, according to the SSA.<\/p>\n<p class=\"yf-1fy9kyt\">Read This: <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/suze-orman-2026-social-security-update-retirees-overlook\/?hyperlink_type=manual&amp;utm_term=related_link_3&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=7&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Suze Orman Flags 2026 Social Security Update Many Retirees Overlook;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Suze Orman Flags 2026 Social Security Update Many Retirees Overlook&quot;}\" class=\"link \">Suze Orman Flags 2026 Social Security Update Many Retirees Overlook<\/a>\u00a0<\/p>\n<p class=\"yf-1fy9kyt\">Now that those reductions have been eliminated, <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/social-security-strategy-ways-optimize-every-dollar-retirement\/?hyperlink_type=manual&amp;utm_term=incontent_link_5&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=8&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Social Security;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Social Security&quot;}\" class=\"link \">Social Security<\/a> is recalculating benefits for some retirees and spouses.<\/p>\n<p class=\"yf-1fy9kyt\">That is leading to two changes. Some people are seeing higher monthly payments, while others have received lump-sum deposits covering money that was previously reduced.<\/p>\n<p class=\"yf-1fy9kyt\">In many cases, those payments include retroactive benefits going back to 2024, when the old rules stopped applying.<\/p>\n<p class=\"yf-1fy9kyt\">Per the SSA, increases can range from a small bump to more than $1,000 extra per month, depending on the benefit and pension.<\/p>\n<p class=\"yf-1fy9kyt\">Some eligible spouses have already seen their benefits increase, but not everyone has been updated yet.<\/p>\n<p class=\"yf-1fy9kyt\">According to an <a href=\"https:\/\/www.collins.senate.gov\/imo\/media\/doc\/gpo_ssfa_letter_to_acting_commissioner_dudek.pdf\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:official letter;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;official letter&quot;}\" class=\"link \">official letter<\/a>, a bipartisan group of senators urged the <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/average-social-security-check-at-age-65\/?hyperlink_type=manual&amp;utm_term=incontent_link_6&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=9&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:Social Security;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;Social Security&quot;}\" class=\"link \">Social Security<\/a> Administration to ensure that eligible spouses receive the full retroactive payments they are owed, highlighting that some cases may still be pending.<\/p>\n<p class=\"yf-1fy9kyt\">If payments have not changed, <a href=\"https:\/\/www.gobankingrates.com\/retirement\/social-security\/ways-to-maximize-your-social-security-benefits-without-working-longer\/?hyperlink_type=manual&amp;utm_term=incontent_link_7&amp;utm_campaign=1327942&amp;utm_source=yahoo.com&amp;utm_content=10&amp;utm_medium=rss\" rel=\"nofollow noopener\" target=\"_blank\" data-ylk=\"slk:recent benefit;elm:context_link;itc:0;sec:content-canvas\" data-yga=\"{&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yLinkText&quot;:&quot;recent benefit&quot;}\" class=\"link \">recent benefit<\/a> statements or deposits can show whether any updates have been made. Some adjustments may still be in progress.<\/p>\n","protected":false},"excerpt":{"rendered":"A recent change to Social Security is already putting more money into the hands of some retirees, including&hellip;\n","protected":false},"author":2,"featured_media":373677,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[138,246,111,139,69,244,245,184372,1050,1051,104465],"class_list":{"0":"post-373676","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-finance","10":"tag-new-zealand","11":"tag-newzealand","12":"tag-nz","13":"tag-personal-finance","14":"tag-personalfinance","15":"tag-retroactive-payments","16":"tag-social-security","17":"tag-social-security-administration","18":"tag-survivor-benefits"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/373676","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=373676"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/373676\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/373677"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=373676"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=373676"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=373676"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}