CATEGORY: FAMILY BENEFIT CHANGES
PROPOSAL:Reduce marriage duration requirement for divorced spouse benefits: Allow divorced spouses who were married at least 5 years to receive benefits, but at a reduced rate
Start date: 2015  End date: not applicable  Proposed by: Senators Mark Begich and Patty Murray

Projected effects on beneficiaries in 2070

Table 1. Individual benefit changes, 2070: Reduce Marital Duration to 5 Years vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Benefits Higher Benefits Lower Benefits Higher Benefits
Total 0% 0% 1% 1% 99%
Sex
Female 0% 0% 2% 1% 99%
Male 0% 0% 1% 1% 99%
Ethnicity/Race
Hispanic 0% 0% 1%
White 0% 0% 1%
Black 0% 0% 2%
Other 0% 0% 0%
Country of Birth
U.S. 0% 0% 1% 1% 99%
Foreign 0% 0% 1% 1% 99%
Age
60-69 0% 0% 1% 0% 100%
70-79 0% 0% 1% 1% 99%
80-89 0% 0% 1% 3% 97%
90+ 0% 0% 1% 0% 100%
Marital Status
Married 0% 0% 0% 0% 100%
Divorced 0% 0% 5% 1% 99%
Widowed 0% 0% 0% 4% 96%
Never Married 0% 0% 0% . . . . . .
Education
Graduate 0% 0% 1% 0% 100%
Bachelor 0% 0% 1% 0% 100%
Associate 0% 0% 1% 1% 99%
High School 0% 0% 2% 1% 99%
Less than 12 Yrs 0% 0% 1% 5% 95%
Official Poverty
Above poverty 0% 0% 1% 1% 99%
In poverty 0% 0% 7% 0% 100%
Household Income Quintile
$221,317+ 0% 0% 0% 4% 96%
$116,305 - $221,317 0% 0% 1% 2% 98%
$67,516 - $116,305 0% 0% 1% 0% 100%
$36,533 - $67,516 0% 0% 1% 1% 99%
$0-$36,533 0% 0% 4% 1% 99%
Current Law Benefit Type
Retired worker 0% 0% 1%
Widow(er) 0% 0% 1%
Spouse 0% 0% 0%
Disabled worker 0% 0% 1%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Notes: . . . = not applicable; — = sample size is too small.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 1. Individual benefit changes, 2070: Reduce Marital Duration to 5 Years vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Benefits Higher Benefits Lower Benefits Higher Benefits
Total 0% 100% 0% 100%
Sex
Female 0% 100% 0% 100%
Male 0% 100% 0% 100%
Ethnicity/Race
Hispanic 0% 100%
White 0% 100%
Black 0% 100%
Other 0% 100%
Country of Birth
U.S. 0% 100% 0% 100%
Foreign 0% 100% 0% 100%
Age
60-69 0% 100% 0% 100%
70-79 0% 100% 0% 100%
80-89 0% 100% 0% 100%
90+ 0% 100% 0% 100%
Marital Status
Married 0% 100% 0% 100%
Divorced 0% 100% 0% 100%
Widowed 0% 100% 0% 100%
Never Married 0% 100% . . . . . .
Education
Graduate 0% 100% 0% 100%
Bachelor 0% 100% 0% 100%
Associate 0% 100% 0% 100%
High School 0% 100% 0% 100%
Less than 12 Yrs 0% 100% 0% 100%
Official Poverty
Above poverty 0% 100% 0% 100%
In poverty 0% 100% 0% 100%
Household Income Quintile
$221,317+ 0% 100% 0% 100%
$116,305 - $221,317 0% 100% 0% 100%
$67,516 - $116,305 0% 100% 0% 100%
$36,533 - $67,516 0% 100% 0% 100%
$0-$36,533 0% 100% 0% 100%
Current Law Benefit Type
Retired worker 0% 100%
Widow(er) 0% 100%
Spouse 0% 100%
Disabled worker 0% 100%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Notes: . . . = not applicable; — = sample size is too small.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 2. Household income changes, 2070: Reduce Marital Duration to 5 Years vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Income Higher Income Lower Income Higher Income
Total 0% 0% 1% 0% 91%
Sex
Female 0% 0% 2% 0% 91%
Male 0% 0% 1% 1% 89%
Ethnicity/Race
Hispanic 0% 0% 1%
White 0% 0% 1%
Black 0% 0% 2%
Other 0% 0% 0%
Country of Birth
U.S. 0% 0% 1% 0% 91%
Foreign 0% 0% 1% 0% 92%
Age
60-69 0% 0% 1% 0% 90%
70-79 0% 0% 1% 0% 92%
80-89 0% 0% 1% 1% 89%
90+ 0% 0% 1% 0% 90%
Marital Status
Married 0% 0% 0% 0% 90%
Divorced 0% 0% 5% 0% 91%
Widowed 0% 0% 0% 4% 89%
Never Married 0% 0% 0% . . . . . .
Education
Graduate 0% 0% 1% 0% 93%
Bachelor 0% 0% 1% 0% 91%
Associate 0% 0% 1% 0% 93%
High School 0% 0% 2% 1% 89%
Less than 12 Yrs 0% 0% 1% 2% 89%
Official Poverty
Above poverty 0% 0% 1% 0% 90%
In poverty 0% 0% 6% 0% 98%
Household Income Quintile
$221,317+ 0% 0% 0% 0% 67%
$116,305 - $221,317 0% 0% 0% 0% 71%
$67,516 - $116,305 0% 0% 1% 0% 75%
$36,533 - $67,516 0% 0% 1% 0% 94%
$0-$36,533 0% 0% 4% 1% 98%
Current Law Benefit Type
Retired worker 0% 0% 1%
Widow(er) 0% 0% 1%
Spouse 0% 0% 0%
Disabled worker 0% 0% 1%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Notes: . . . = not applicable; — = sample size is too small.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 2. Household income changes, 2070: Reduce Marital Duration to 5 Years vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Income Higher Income Lower Income Higher Income
Total 0% 98% 0% 99%
Sex
Female 0% 98% 0% 99%
Male 0% 98% 0% 99%
Ethnicity/Race
Hispanic 0% 98%
White 0% 98%
Black 0% 98%
Other 0% 96%
Country of Birth
U.S. 0% 98% 0% 99%
Foreign 0% 96% 0% 98%
Age
60-69 0% 97% 0% 99%
70-79 0% 98% 0% 100%
80-89 0% 98% 1% 97%
90+ 0% 96% 0% 100%
Marital Status
Married 0% 98% 0% 100%
Divorced 0% 98% 0% 99%
Widowed 0% 97% 0% 100%
Never Married 0% 97% . . . . . .
Education
Graduate 0% 97% 0% 99%
Bachelor 0% 97% 0% 97%
Associate 0% 99% 0% 100%
High School 0% 98% 0% 99%
Less than 12 Yrs 0% 97% 0% 100%
Official Poverty
Above poverty 0% 98% 0% 99%
In poverty 4% 85% 1% 97%
Household Income Quintile
$221,317+ 0% 91% 0% 85%
$116,305 - $221,317 0% 99% 0% 100%
$67,516 - $116,305 0% 100% 0% 100%
$36,533 - $67,516 0% 100% 0% 100%
$0-$36,533 0% 98% 0% 99%
Current Law Benefit Type
Retired worker 0% 98%
Widow(er) 0% 98%
Spouse 0% 98%
Disabled worker 0% 98%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Notes: . . . = not applicable; — = sample size is too small.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 3. Poverty, 2070: Reduce Marital Duration to 5 Years vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic Poverty Rate Population Change (thousands)
Scheduled Option Change
Total 2.1% 2.0% -0.1% -95
Sex
Female 2.4% 2.3% -0.1% -73
Male 1.8% 1.7% 0.0% -21
Ethnicity/Race
Hispanic 2.9% 2.8% -0.1% -17
White 1.4% 1.3% -0.1% -46
Black 4.2% 4.0% -0.2% -24
Other 2.3% 2.2% -0.1% -6
Country of Birth
U.S. 1.6% 1.5% -0.1% -77
Foreign 3.9% 3.8% -0.1% -17
Age
60-69 2.4% 2.3% -0.1% -24
70-79 2.0% 1.9% -0.1% -43
80-89 2.1% 2.0% -0.1% -22
90+ 1.6% 1.5% -0.1% -4
Marital Status
Married 0.7% 0.7% 0.0% 0
Divorced 2.6% 2.2% -0.4% -91
Widowed 1.9% 1.9% 0.0% -3
Never Married 5.3% 5.3% 0.0% 0
Education
Graduate 0.8% 0.7% 0.0% -4
Bachelor 0.8% 0.8% 0.0% -7
Associate 1.5% 1.3% -0.1% -25
High School 2.9% 2.8% -0.2% -49
Less than 12 Yrs 5.5% 5.5% -0.1% -9
Official Poverty
Above poverty 0.0% 0.0% 0.0% 0
In poverty 100.0% 95.5% -4.5% -95
Household Income Quintile
$221,317+ 0.0% 0.0% 0.0% 0
$116,305 - $221,317 0.0% 0.0% 0.0% 0
$67,516 - $116,305 0.0% 0.0% 0.0% 0
$36,533 - $67,516 0.2% 0.2% 0.0% 0
$0-$36,533 10.3% 9.9% -0.5% -95
Current Law Benefit Type
Retired worker 2.2% 2.1% -0.1% -83
Widow(er) 1.4% 1.4% 0.0% -1
Spouse 1.9% 1.9% 0.0% 0
Disabled worker 3.2% 2.9% -0.2% -9
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 3. Poverty, 2070: Reduce Marital Duration to 5 Years vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic Poverty Rate Population Change (thousands)
Payable Option Change
Total 4.7% 2.0% -2.6% -2,630
Sex
Female 5.3% 2.3% -3.0% -1,551
Male 4.0% 1.7% -2.3% -1,078
Ethnicity/Race
Hispanic 6.3% 2.8% -3.5% -826
White 3.2% 1.3% -1.9% -1,052
Black 9.0% 4.0% -5.0% -501
Other 4.8% 2.2% -2.6% -249
Country of Birth
U.S. 3.9% 1.5% -2.4% -1,878
Foreign 7.2% 3.8% -3.4% -751
Age
60-69 4.9% 2.3% -2.6% -721
70-79 4.5% 1.9% -2.6% -961
80-89 4.9% 2.0% -2.9% -719
90+ 4.0% 1.5% -2.5% -227
Marital Status
Married 1.5% 0.7% -0.7% -338
Divorced 6.1% 2.2% -3.9% -803
Widowed 5.2% 1.9% -3.3% -495
Never Married 10.8% 5.3% -5.5% -992
Education
Graduate 1.6% 0.7% -0.9% -123
Bachelor 1.7% 0.8% -0.9% -205
Associate 3.7% 1.3% -2.3% -495
High School 6.6% 2.8% -3.9% -1,231
Less than 12 Yrs 11.0% 5.5% -5.5% -574
Official Poverty
Above poverty 2.6% 0.0% -2.6% -2,538
In poverty 99.8% 95.5% -4.3% -91
Household Income Quintile
$221,317+ 0.0% 0.0% 0.0% -4
$116,305 - $221,317 0.1% 0.0% -0.1% -10
$67,516 - $116,305 0.2% 0.0% -0.1% -25
$36,533 - $67,516 0.7% 0.2% -0.5% -106
$0-$36,533 22.3% 9.9% -12.5% -2,483
Current Law Benefit Type
Retired worker 4.6% 2.1% -2.5% -1,938
Widow(er) 4.5% 1.4% -3.1% -416
Spouse 4.0% 1.9% -2.1% -116
Disabled worker 6.8% 2.9% -3.9% -158
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 4. Beneficiary characteristics, 2070: Reduce Marital Duration to 5 Years vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All beneficiaries Affected beneficiaries Beneficiaries with lower benefits Beneficiaries with higher benefits
Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent
Total 99,367 100.0 1,273 100.0 12 100.0 1,260 100.0
Sex
Female 51,669 52.0 999 78.5 11 87.2 988 78.4
Male 47,698 48.0 274 21.5 2 12.8 272 21.6
Ethnicity/Race
Hispanic 23,798 23.9 185 14.5 2 12.6 183 14.5
White 55,862 56.2 831 65.3 9 74.6 822 65.2
Black 10,043 10.1 225 17.7 2 12.8 223 17.7
Other 9,664 9.7 32 2.5 . . . . . . 32 2.5
Country of Birth
U.S. 77,479 78.0 1,129 88.7 11 87.4 1,119 88.8
Foreign 21,888 22.0 143 11.3 2 12.6 142 11.2
Age
60-69 28,040 28.2 316 24.8 . . . . . . 316 25.1
70-79 37,436 37.7 508 40.0 3 27.5 505 40.1
80-89 24,883 25.0 314 24.7 9 72.5 305 24.2
90+ 9,008 9.1 134 10.5 . . . . . . 134 10.6
Marital Status
Married 45,743 46.0 79 6.2 . . . . . . 79 6.3
Divorced 20,504 20.6 1,115 87.6 9 77.1 1,106 87.7
Widowed 15,160 15.3 78 6.2 3 22.9 76 6.0
Never Married 17,960 18.1 . . . . . . . . . . . . . . . . . .
Education
Graduate 13,734 13.8 104 8.2 . . . . . . 104 8.3
Bachelor 22,043 22.2 224 17.6 . . . . . . 224 17.8
Associate 21,221 21.4 318 25.0 3 22.4 315 25.0
High School 31,969 32.2 559 43.9 6 52.2 553 43.9
Less than 12 Yrs 10,400 10.5 67 5.3 3 25.4 64 5.1
Official Poverty
Above poverty 97,260 97.9 1,133 89.0 12 100.0 1,121 88.9
In poverty 2,107 2.1 139 11.0 . . . . . . 139 11.1
Household Income Quintile
$221,317+ 19,874 20.0 51 4.0 2 14.9 49 3.9
$116,305 - $221,317 19,873 20.0 121 9.5 3 22.4 119 9.4
$67,516 - $116,305 19,873 20.0 152 11.9 . . . . . . 152 12.0
$36,533 - $67,516 19,870 20.0 230 18.1 2 12.6 229 18.1
$0-$36,533 19,877 20.0 719 56.5 6 50.0 712 56.5
Current Law Benefit Type
Retired worker 76,149 76.6 1,110 87.2 12 100.0 1,097 87.1
Widow(er) 13,655 13.7 97 7.6 . . . . . . 97 7.7
Spouse 5,494 5.5 22 1.7 . . . . . . 22 1.8
Disabled worker 4,069 4.1 44 3.5 . . . . . . 44 3.5
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Note: . . . = not applicable.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 4. Beneficiary characteristics, 2070: Reduce Marital Duration to 5 Years vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic All beneficiaries Affected beneficiaries Beneficiaries with lower benefits Beneficiaries with higher benefits
Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent
Total 99,367 100.0 99,367 100.0 . . . . . . 99,367 100.0
Sex
Female 51,669 52.0 51,669 52.0 . . . . . . 51,669 52.0
Male 47,698 48.0 47,698 48.0 . . . . . . 47,698 48.0
Ethnicity/Race
Hispanic 23,798 23.9 23,798 23.9 . . . . . . 23,798 23.9
White 55,862 56.2 55,862 56.2 . . . . . . 55,862 56.2
Black 10,043 10.1 10,043 10.1 . . . . . . 10,043 10.1
Other 9,664 9.7 9,664 9.7 . . . . . . 9,664 9.7
Country of Birth
U.S. 77,479 78.0 77,479 78.0 . . . . . . 77,479 78.0
Foreign 21,888 22.0 21,888 22.0 . . . . . . 21,888 22.0
Age
60-69 28,040 28.2 28,040 28.2 . . . . . . 28,040 28.2
70-79 37,436 37.7 37,436 37.7 . . . . . . 37,436 37.7
80-89 24,883 25.0 24,883 25.0 . . . . . . 24,883 25.0
90+ 9,008 9.1 9,008 9.1 . . . . . . 9,008 9.1
Marital Status
Married 45,743 46.0 45,743 46.0 . . . . . . 45,743 46.0
Divorced 20,504 20.6 20,504 20.6 . . . . . . 20,504 20.6
Widowed 15,160 15.3 15,160 15.3 . . . . . . 15,160 15.3
Never Married 17,960 18.1 17,960 18.1 . . . . . . 17,960 18.1
Education
Graduate 13,734 13.8 13,734 13.8 . . . . . . 13,734 13.8
Bachelor 22,043 22.2 22,043 22.2 . . . . . . 22,043 22.2
Associate 21,221 21.4 21,221 21.4 . . . . . . 21,221 21.4
High School 31,969 32.2 31,969 32.2 . . . . . . 31,969 32.2
Less than 12 Yrs 10,400 10.5 10,400 10.5 . . . . . . 10,400 10.5
Official Poverty
Above poverty 97,260 97.9 97,260 97.9 . . . . . . 97,260 97.9
In poverty 2,107 2.1 2,107 2.1 . . . . . . 2,107 2.1
Household Income Quintile
$221,317+ 19,874 20.0 19,874 20.0 . . . . . . 19,874 20.0
$116,305 - $221,317 19,873 20.0 19,873 20.0 . . . . . . 19,873 20.0
$67,516 - $116,305 19,873 20.0 19,873 20.0 . . . . . . 19,873 20.0
$36,533 - $67,516 19,870 20.0 19,870 20.0 . . . . . . 19,870 20.0
$0-$36,533 19,877 20.0 19,877 20.0 . . . . . . 19,877 20.0
Current Law Benefit Type
Retired worker 76,149 76.6 76,149 76.6 . . . . . . 76,149 76.6
Widow(er) 13,655 13.7 13,655 13.7 . . . . . . 13,655 13.7
Spouse 5,494 5.5 5,494 5.5 . . . . . . 5,494 5.5
Disabled worker 4,069 4.1 4,069 4.1 . . . . . . 4,069 4.1
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Note: . . . = not applicable.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 5. Beneficiary Status, 2070: Reduce Marital Duration to 5 Years vs. Scheduled (in thousands)
POPULATION: current law or option beneficiaries aged 60+
Characteristic Current Law Beneficiaries Changes in beneficiary status under proposed option Policy Option Beneficiaries
Added Removed Net Change
Total 99,367 0 99,443
Sex
Female 51,669 0 51,726
Male 47,698 0 47,716
Ethnicity/Race
Hispanic 23,798 0 23,813
White 55,862 0 55,897
Black 10,043 0 10,060
Other 9,664 0 9,672
Country of Birth
U.S. 77,479 0 77,522
Foreign 21,888 0 21,921
Age
60-69 28,040 0 28,076
70-79 37,436 0 37,459
80-89 24,883 0 24,893
90+ 9,008 0 9,014
Marital Status
Married 45,743 0 0 45,743
Divorced 20,504 0 20,579
Widowed 15,160 0 0 15,160
Never Married 17,960 0 0 17,960
Education
Graduate 13,734 0 0 13,734
Bachelor 22,043 0 0 22,043
Associate 21,221 0 21,248
High School 31,969 0 31,999
Less than 12 Yrs 10,400 0 10,419
Official Poverty
Above poverty 97,260 0 97,288
In poverty 2,107 0 2,155
Household Income Quintile
$221,317+ 19,874 0 19,875
$116,305 - $221,317 19,873 0 19,879
$67,516 - $116,305 19,873 0 19,878
$36,533 - $67,516 19,870 0 19,880
$0-$36,533 19,877 0 19,930
Current Law Benefit Type
Retired worker 76,149 0 0 76,149
Widow(er) 13,655 0 0 13,655
Spouse 5,494 0 0 5,494
Disabled worker 4,069 0 0 4,069
None 0 0 76
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 5. Beneficiary Status, 2070: Reduce Marital Duration to 5 Years vs. Payable (in thousands)
POPULATION: current law or option beneficiaries aged 60+
Characteristic Current Law Beneficiaries Changes in beneficiary status under proposed option Policy Option Beneficiaries
Added Removed Net Change
Total 99,367 0 99,443
Sex
Female 51,669 0 51,726
Male 47,698 0 47,716
Ethnicity/Race
Hispanic 23,798 0 23,813
White 55,862 0 55,897
Black 10,043 0 10,060
Other 9,664 0 9,672
Country of Birth
U.S. 77,479 0 77,522
Foreign 21,888 0 21,921
Age
60-69 28,040 0 28,076
70-79 37,436 0 37,459
80-89 24,883 0 24,893
90+ 9,008 0 9,014
Marital Status
Married 45,743 0 0 45,743
Divorced 20,504 0 20,579
Widowed 15,160 0 0 15,160
Never Married 17,960 0 0 17,960
Education
Graduate 13,734 0 0 13,734
Bachelor 22,043 0 0 22,043
Associate 21,221 0 21,248
High School 31,969 0 31,999
Less than 12 Yrs 10,400 0 10,419
Official Poverty
Above poverty 97,260 0 97,288
In poverty 2,107 0 2,155
Household Income Quintile
$221,317+ 19,874 0 19,875
$116,305 - $221,317 19,873 0 19,879
$67,516 - $116,305 19,873 0 19,878
$36,533 - $67,516 19,870 0 19,880
$0-$36,533 19,877 0 19,930
Current Law Benefit Type
Retired worker 76,149 0 0 76,149
Widow(er) 13,655 0 0 13,655
Spouse 5,494 0 0 5,494
Disabled worker 4,069 0 0 4,069
None 0 0 76
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: MB0611v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.