{"id":542297,"date":"2026-04-21T05:20:11","date_gmt":"2026-04-21T05:20:11","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/542297\/"},"modified":"2026-04-21T05:20:11","modified_gmt":"2026-04-21T05:20:11","slug":"social-security-changed-the-rules-for-widows-and-divorced-spouses-which-could-earn-them-thousands","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/542297\/","title":{"rendered":"Social Security changed the rules for widows and divorced spouses, which could earn them thousands"},"content":{"rendered":"<p>Your support helps us to tell the story<\/p>\n<p class=\"sc-1uza6dc-0 fFxaM\">From reproductive rights to climate change to Big Tech, The Independent is on the ground when the story is developing. Whether it&#8217;s investigating the financials of Elon Musk&#8217;s pro-Trump PAC or producing our latest documentary, &#8216;The A Word&#8217;, which shines a light on the American women fighting for reproductive rights, we know how important it is to parse out the facts from the messaging.<\/p>\n<p class=\"sc-1uza6dc-0 fFxaM\">At such a critical moment in US history, we need reporters on the ground. Your donation allows us to keep sending journalists to speak to both sides of the story.<\/p>\n<p class=\"sc-1uza6dc-0 fFxaM\">The Independent is trusted by Americans across the entire political spectrum. And unlike many other quality news outlets, we choose not to lock Americans out of our reporting and analysis with paywalls. We believe quality journalism should be available to everyone, paid for by those who can afford it.<\/p>\n<p>Your support makes all the difference.Read more<\/p>\n<p>Some <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.independent.co.uk\/us\/money\/social-security-fund-running-out-guide-b2928460.html\">Social Security<\/a> recipients are seeing bigger payments this year thanks to the way benefits are calculated. <\/p>\n<p>The end of two benefit restrictions has opened up bigger payments for eligible widows and divorced spouses of approximately <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.ssa.gov\/benefits\/retirement\/social-security-fairness-act.html?tl=0%2C1%2C3%2C10%2C11%2C13\">28 percent<\/a> of state and local public employees, according to the <a href=\"https:\/\/www.independent.co.uk\/news\/world\/americas\/social-security-checks-benefit-b2901427.html\" rel=\"nofollow noopener\" target=\"_blank\">Social Security Administration.<\/a> The repeal will impact around 2.5 million <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.independent.co.uk\/us\/money\/retirement-social-security-states-income-b2910455.html\">Social Security<\/a> recipients, the Congressional Budget Office noted in a November <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.congress.gov\/crs-product\/R45845\">analysis<\/a>. <\/p>\n<p>Positions that fit that category of employee include police, firefighters and teachers. The restrictions came to an end when President Joe Biden signed the Social Security Fairness Act in January 2025, and the changes have rolled out slowly since then. <\/p>\n<p>Widows and divorced spouses are impacted by the changes because how much they receive can be tied to how much their spouse earned.<\/p>\n<p>The Social Security Administration will pay widows and divorced spouses a certain percentage of their former spouse\u2019s <a href=\"https:\/\/www.independent.co.uk\/us\/money\/social-security-elderly-scams-b2887378.html\" rel=\"nofollow noopener\" target=\"_blank\">Social Security<\/a> (\u201c<a href=\"https:\/\/www.independent.co.uk\/us\/money\/retirement-social-security-spousal-benefits-b2951024.html\" rel=\"nofollow noopener\" target=\"_blank\">spousal benefit<\/a>\u201d) based on age: over 71.5% of the spouse\u2019s benefit at 61, over 80% at 63, over 90 percent at age 65 and up to 100 percent at full retirement age (ranges from 66 to 67). <\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2026\/04\/2271369028.jpg\"  loading=\"lazy\" alt=\"Spouses of firefighters, police, teachers and other state employees could see a boost in Social Security payments this year thanks to the repeal of two restrictions\" class=\"sc-1mc30lb-0 ggpMaE inline-gallery-btn\"\/>Spouses of firefighters, police, teachers and other state employees could see a boost in Social Security payments this year thanks to the repeal of two restrictions (AFP\/Getty)<\/p>\n<p>Before the Fairness Act went into effect, those benefit amounts were lower for some spouses because of the \u201cwindfall elimination provision\u201d and \u201cgovernment pension offset.\u201d The two restrictions decreased the recipient\u2019s payments in specific scenarios, which typically meant the recipient\u2019s spouse would see lower payments.<\/p>\n<p>The windfall elimination provision prevented state employees from receiving their state pension and Social Security payments. That restriction is now lifted. <\/p>\n<p>The government pension offset throttled the amount of money for spouses who were entitled to spousal benefits and a government pension. <\/p>\n<p>With those two restrictions removed, the Social Security Administration estimates that individuals could earn an extra $1,000 or more in monthly benefits. <\/p>\n<p>The National Education Association, the largest labor union in the country, <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nea.org\/nea-today\/all-news-articles\/landmark-victory-gpo-and-wep-repealed\">noted<\/a> that the repeal of the windfall elimination provision and government pension offset would boost Social Security payments to its members by an average of $360 per month. <\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2026\/04\/01KNH4QWCDA400W9FVYAGNYCSW.jpg\"  loading=\"lazy\" alt=\"Teachers\u2019 Social Security payments are estimated to increase $360 a month, according to labor union the National Education Association\" class=\"sc-1mc30lb-0 ggpMaE inline-gallery-btn\"\/>Teachers\u2019 Social Security payments are estimated to increase $360 a month, according to labor union the National Education Association (PA)<\/p>\n<p>Another labor union, the International Association of Fire Fighters, noted that some of its members could see their benefits <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.iaff.org\/news\/social-security-fairness-act-becomes-law\/\">rise as much as $587<\/a> because of the repeal.<\/p>\n<p>\u201cThe amount monthly benefits may change can vary greatly,\u201d the administration notes. \u201cDepending on factors such as the type of Social Security benefit received and the amount of the person\u2019s pension.\u201d<\/p>\n<p>Spouses can check their eligibility and potential benefit amount by calling the Social Security Administration at 1-800-772-1213.<\/p>\n","protected":false},"excerpt":{"rendered":"Your support helps us to tell the story From reproductive rights to climate change to Big Tech, The&hellip;\n","protected":false},"author":2,"featured_media":542298,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,4174,4175,56,54,55],"class_list":{"0":"post-542297","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-personal-finance","11":"tag-personalfinance","12":"tag-uk","13":"tag-united-kingdom","14":"tag-unitedkingdom"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/542297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=542297"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/542297\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/542298"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=542297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=542297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=542297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}