How Will Marriage Affect My Disability Benefits?

Submitted by Daniel on

Last week, we wrote a blog post answering a question that was sent to us through Facebook. We received some great feedback and readers have suggested that they’d like us to make this a regular thing. Please feel free to let us know your thoughts in the comment section below. Tell us what questions you’d like us to answer next week! Today’s question is:

Question: How will marriage affect my disability benefits?

Getting married may affect your disability benefits in a variety of ways. This is largely dependent on what type of benefits you receive—Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI).

If you receive SSI benefits, you likely already know that eligibility is determined based on your income and financial resources. Once you get married, the SSA will “deem” a portion of your spouse’s income to your record. Essentially, this means that they will consider your future husband or wife’s income to be your income as well. This may significantly reduce your monthly payment or even cause the SSA to terminate your benefits altogether.

It is important to note that, if you live with your significant other but are not yet married, the SSA may still decide to deem some of your partner’s income to your record.

If you receive SSDI on your own earnings record, getting married will have no impact on your benefits—no matter how much money your future spouse earns. If you receive SSDI based on someone else’s earnings record, your benefits could be affected in the following ways:

  • If you receive SSDI benefits under an eligible parent’s record, getting married will cause your benefits to be terminated. The only time benefits will not be terminated in this circumstance is if you are marrying another disabled adult child.
  • If you are currently receiving SSDI benefits on the work record of an ex-spouse, your benefits will be terminated if you remarry. This also applies to individuals who receive SSDI on the record of a deceased ex-spouse who remarry before age 50 if disabled, and before age 60 if not disabled.

Before you make any decisions regarding marriage or disability benefits, you should always consult with an SSA representative. That way, you can avoid unknowingly compromising your benefits. Please feel free to leave additional questions or comments in the section below and we will try our best to answer each of your questions.

Submitted By: Molly Clarke

Blog comments

Bryan

In reply to by David Ewing (not verified)

Hi David,

Hi David,
Your fiance's SSI benefits would be calculated using both your and her income after marriage. Both your fiance and her child would still be eligible for Medicaid if they are still eligible for SSI benefits.

Fri, 08/05/2016 - 14:30 Permalink
Ronnie (not verified)

I have a question to ask you

I have a question to ask you I receive ssi benefit it 1,059 is my income for every month and my spouse going to receive 1,090 every month would they affect my income if so how much will they take

Fri, 08/05/2016 - 14:29 Permalink
Tammy (not verified)

If someone is getting their

If someone is getting their dads pension and he gets married will his money be reduced of the woman he matting has no income

Sun, 08/07/2016 - 01:15 Permalink
Bryan

In reply to by Tammy (not verified)

Hi Tammy,

Hi Tammy,
I wouldn't be able to say, it may depend on the pension plan, which are different that Social Security Disability benefits.

Mon, 08/08/2016 - 10:26 Permalink
Patricia (not verified)

I receive SSDI. If I marry a

I receive SSDI. If I marry a person who receives regular social security (Is this the same as SSI?), would our benefits be compromised? Thank you.

Sun, 08/07/2016 - 13:55 Permalink
Bryan

In reply to by Patricia (not verified)

Hi Patricia,

Hi Patricia,
Your benefits would not change as yours are based off of work history, but if your prospective spouse is receiving benefits based on their income and financial resources, then they may have a change in benefits.

Mon, 08/08/2016 - 10:30 Permalink
Heather (not verified)

Im on ssi and was wondering

Im on ssi and was wondering if i marry a man on ssdi will i lose my cash benefits and medical?

Sun, 08/07/2016 - 17:51 Permalink
Bryan

In reply to by Heather (not verified)

Hi Heather,

Hi Heather,
I would not be able to say, but you may have a change in benefits because they would calculate his income with yours to determine your eligibility for benefits.

Mon, 08/08/2016 - 10:30 Permalink
James Barniker (not verified)

Both my fiancee and i are

Both my fiancee and i are disabled (able-bodied) Adults who collect SSDI. I called up social security regarding this exact question. If we are over the age of 16 what happens if were collecting off our parents record?

Mon, 08/08/2016 - 18:57 Permalink
Bryan

In reply to by James Barniker (not verified)

Hi James,

Hi James,
If you're receiving benefits as a Disabled Adult Child and your fiancee is as well, you both may be able to keep your benefits after marriage, but generally both of you would lose DAC benefits after marriage.

Tue, 08/09/2016 - 09:46 Permalink
Kristy d (not verified)

I am on ssi 733 per month. My

I am on ssi 733 per month. My boyfriend wants to marry me. He makes about $2,080 a month BEFORE taxes and before child support comes out! He pays $113 a week in child support. We want to get married but I need my check and especially my medicaid!!! How do we calculate what my check will be reduced to or if it will stop all together? Need to be SURE before we make plans for marriage. It sucks thathe the government gets to decide IF I get to marry the love of my life!

Tue, 08/09/2016 - 12:10 Permalink
Amber (not verified)

I've been receiving ssa

I've been receiving ssa and ssi for almost 2 decades and didn't get married 2 my bf of 15 yrs because of loss of benefits if I did. I did however, receive back pay of over $8 thousand about 10 yrs ago because I worked long enough to qualify for ssdi and both my daughter's received a monthly check til they were 18. So, my question is, why am I still receiving ssi instead of ssdi?

Thu, 08/11/2016 - 00:58 Permalink
Bryan

In reply to by Amber (not verified)

Hi Amber,

Hi Amber,
I'm not sure of the details of your particular case, but you may have qualified for SSDI for an amount that is less than the maximum SSI benefit amount ($733/month) If you're eligible for both SSI and SSDI, SSI will pay benefits up to that maximum benefit amount, but you cannot receive two separate payments.

Thu, 08/11/2016 - 09:05 Permalink
Linda (not verified)

I have SSDI and my boyfriend

I have SSDI and my boyfriend has Vetrans Disability. Will his benifts be affected if we get married?

Fri, 08/12/2016 - 15:00 Permalink
Bryan

In reply to by Linda (not verified)

Hi Linda,

Hi Linda,
If both of your benefits are based off of work record rather than income or financial resources, then you may not have a change in either benefit.

Mon, 08/15/2016 - 11:05 Permalink
Leisa wideman (not verified)

I want to know im on ssdi and

I want to know im on ssdi and my 12 year old adopted daughter gets her dads death benefits my husbands i have, medicre, my daughter has medicaid and my boyfried is on medicaid a hunting accident lost one of his legs about 14 years ago how will that affect us if we do decide to get married thank you

Sun, 08/14/2016 - 12:24 Permalink
Bryan

In reply to by Leisa wideman (not verified)

Hi Leisa,

Hi Leisa,
I'm not sure how marriage would change your medicaid coverage as that is state based. It may be a good idea to contact the office in your state that administers medicaid.

Mon, 08/15/2016 - 11:07 Permalink
Eric (not verified)

I was under the impression

I was under the impression that my ssdi increases from $1219 monthly to apprx $1400 if i were to marry?

Mon, 08/15/2016 - 21:46 Permalink
Bryan

In reply to by Eric (not verified)

Hi Eric,

Hi Eric,
SSDI and SSI are different programs, because SSI is income based benefits would be affected, but with SSDI, marriage does not affect benefits.

Tue, 08/16/2016 - 09:48 Permalink
Cynthia (not verified)

My partner is on full mental

My partner is on full mental disability (schizophrenia) We would like to be legally wed but fear that he may lose his medical benefits or SSI that he currently receives. We live in Florida if that makes any difference. He receives very little disability income and any removal for him seems high. Can you tell me what if any benefits he may lose.

Tue, 08/16/2016 - 16:01 Permalink
Bryan

In reply to by Cynthia (not verified)

Hi Cynthia,

Hi Cynthia,
Because both of your incomes would be considered for his benefits, he may lose his SSI benefits. However, as Medicaid is state-administered, I cannot say what would happen to his Medicaid eligibility. It may be a good idea to contact the office that administers Medicaid in your state to learn more about the eligibility guidelines in your state.

Wed, 08/17/2016 - 15:00 Permalink
bruce (not verified)

i am on disability and my

i am on disability and my fiance is on ssi. if we get married will it affect my disability up or down and will she lose her ssi as my income fro ssdi and part time work is more than she makes.she has no other source of income. and i have a disabled son on my disability as well. was wondering if she loses her ssi would it cause an increase in my ssdi reciepts and would it affect sons benifits

Wed, 08/17/2016 - 20:13 Permalink
Deanna

In reply to by bruce (not verified)

Hi Bruce,

Hi Bruce,
Your fiance's SSI payments may be reduced, but it is unlikely that she will lose them entirely, as you are both on disability benefits. If she does lose her benefits, she could become eligible for 50% of your payments if she shares in care of your child.

Thu, 08/18/2016 - 14:59 Permalink
mike (not verified)

Ok I have looked a lot and I

Ok I have looked a lot and I don't see this one if I receive ssi and ssdi from one my parents passing and I marry someone who gets as I what happens

Thu, 08/18/2016 - 09:57 Permalink
Deanna

In reply to by mike (not verified)

Hi Mike,

Hi Mike,
Your SSI benefits may be reduced if your parent is making money. You will lose your SSDI benefits entirely, as you cannot continue to receive benefits as an adult child and be married, unless your partner is also a disabled adult child.

Thu, 08/18/2016 - 15:00 Permalink
Penny (not verified)

I receive both ssdi and ssi.

I receive both ssdi and ssi. My fiance had to quit working because he takes care of me full time. So he has absolutely NO income. Will this effect my payment if we marry? And are there any benefits available for him?

Fri, 08/19/2016 - 04:54 Permalink
Bryan

In reply to by Penny (not verified)

Hi Penny,

Hi Penny,
Yes, this may affect your payments as SSI benefits are for married couples are based on combined income. Your husband may be eligible for benefits, but it may be a good idea to contact your local SSA office, they would be better able to give you some more detailed info about your particular case.

Fri, 08/19/2016 - 09:30 Permalink
Jessy (not verified)

MY SON HAS AUTISM AND GETS

MY SON HAS AUTISM AND GETS SSI
If I get married, but we do not recieve child support (never did) how will the marriage affect my sons benefits? Hes 8

Fri, 08/19/2016 - 12:32 Permalink
Bryan

In reply to by Jessy (not verified)

Hi Jessy,

Hi Jessy,
Your income and your spouse's income may both be taken into account when calculating your child's SSI benefits.

Fri, 08/19/2016 - 12:35 Permalink
nita (not verified)

I am in a lesbian

I am in a lesbian relationship and want to get married my girlfriend gets ssa! Will my income affect her check!

Fri, 08/19/2016 - 14:26 Permalink
Bryan

In reply to by nita (not verified)

Hi Nita,

Hi Nita,
If your girlfriend receives SSI benefits, then the SSA will use your combined income to calculate her benefits. In short, it may affect her check.

Fri, 08/19/2016 - 16:56 Permalink
John (not verified)

I have SSDI and my girlfriend

I have SSDI and my girlfriend has SSI. Will my moving in with her affect her SSI?

Sat, 08/20/2016 - 10:59 Permalink
Bryan

In reply to by John (not verified)

Hi John,

Hi John,
Yes, your moving in may affect her SSI if the SSA considers your contributions to your shared household as 'in-kind support'.

Mon, 08/22/2016 - 09:12 Permalink
Sheila (not verified)

If I receive social security

If I receive social security disability and so does my fiance how can that affect our monthly checks?

Sun, 08/21/2016 - 12:25 Permalink
Bryan

In reply to by Sheila (not verified)

Hi Sheila,

Hi Sheila,
If either one of you is receiving SSI benefits, then the SSA will consider both of your incomes when calculating SSI benefits after marriage.

Mon, 08/22/2016 - 09:13 Permalink
Alicia Tucker (not verified)

I currently receive SSI but

I currently receive SSI but me and my partner thinking bout take it to next step, but he not disabled, and he work will my benfit stop if we get married

Sun, 08/21/2016 - 15:28 Permalink
Bryan

In reply to by Alicia Tucker (not verified)

Hi Alicia,

Hi Alicia,
I couldn't say if they would stop, however his income and your income would be used to calculate your benefits.

Mon, 08/22/2016 - 09:14 Permalink
Enrique (not verified)

Hi I am on ssi and i am

Hi I am on ssi and i am planning on marrying my partner who is on ssdi will that affect my ssi?

Sun, 08/21/2016 - 17:09 Permalink
Bryan

In reply to by Enrique (not verified)

Hi Enrique,

Hi Enrique,
It may affect your benefits as the SSA may consider SSDI benefits as household income for the both of you.

Mon, 08/22/2016 - 09:15 Permalink
karen (not verified)

Will my ssi ssdi benefits be

Will my ssi ssdi benefits be effect if I lived in a state that recognize common law marriage

Mon, 08/22/2016 - 02:44 Permalink
Bryan

In reply to by karen (not verified)

Hi Karen,

Hi Karen,
It may affect your SSI benefits because SSI benefits are administered by the states, and if the SSA determines that your household includes your common-law spouse.

Mon, 08/22/2016 - 09:18 Permalink
Kayden (not verified)

If im a female with a job and

If im a female with a job and my fiances a female without a job and my fiance recieves social security benefits for her disable daughter, will she lose her daughters benefits if we get married?

Mon, 08/22/2016 - 19:06 Permalink
Bryan

In reply to by Kayden (not verified)

Hi Kayden,

Hi Kayden,
Regardless of gender, the SSA may use both of your incomes in determining SSI benefits eligibility for your fiance's daughter, so it is possible that she may lose benefits depending on the SSA's assessment of your combined income and resources.

Tue, 08/23/2016 - 10:02 Permalink
R Lee (not verified)

I am receiving SSDI and if I

I am receiving SSDI and if I get married can my spouse receive benefits undermines if he does not work

Tue, 08/23/2016 - 01:21 Permalink
Bryan

In reply to by R Lee (not verified)

Hi There,

Hi There,
Your spouse may be eligible under certain circumstances, but generally your spouse may need to be over age 62 to be eligible for benefits based off of your work record.

Tue, 08/23/2016 - 10:03 Permalink
Bates (not verified)

If I am on my deceased

If I am on my deceased fathers social security number for my disability benefits will thet be terminated if I marry, I am unable to work and on medicare and medicane

Tue, 08/23/2016 - 16:35 Permalink
Bryan

In reply to by Bates (not verified)

Hi Bates,

Hi Bates,
They may be terminated if you are collecting as a Disabled Adult Child and then get married, though the SSA may make exceptions in certain circumstances.

Tue, 08/23/2016 - 16:40 Permalink
Howard (not verified)

I started receiving my

I started receiving my disability check the first of august and I am 63 years old. If I get married this year will my check be affected by it.

Tue, 08/23/2016 - 17:18 Permalink
Bryan

In reply to by Howard (not verified)

Hi Howard,

Hi Howard,
If you are receiving disability benefits based off of your income and resources ( SSI benefits), then you may have a change in benefits. If you are receiving SSDI benefits, then you may not have a change in benefits.

Wed, 08/24/2016 - 09:22 Permalink

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