Getting married is one of the milestones of life, and as many know, it ushers in a variety of changes to your lifestyle as well as your legal situation. From the taxes you pay to the places your kids go to school, being married will affect every aspect of your life. However, what many people don’t know is that when you get married, your disability status can be affected. To understand the specifics on this situation, take note of the following aspects of marriage’s effect on Social Security disability benefits.
Effects on Social Security Disability Insurance (SSDI)
People who receive Social Security Disability (SSDI) benefits became disabled, whether through illness or injury, before retirement and thus are unable to work. If you receive this type of disability insurance or retirement benefit, your payments will not be affected by marrying.
Effects on Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is awarded to people who are aged, blind or disabled and have little or no income. It provides cash to meet basic needs for food, clothing and shelter for those who need it, and it is calculated based on your current income and where that places you in regard to the poverty line. As a result, and unlike with SSDI, your SSI benefit may change if you get married, as your spouse’s income will be added to yours. Furthermore, if both of you receive SSI benefits, both of your individual rates will be switched with a couple’s rate.
Effects on benefits for widows and widowers
If your spouse passed away and you receive SSDI benefits as a result, or if you receive benefits from a deceased former spouse as a divorced widow or widower, you will see restrictions on your SSDI income if you remarry. People who remarry before age 60, or age 50 if they are disabled, will no longer be eligible to receive these benefits.
Effects on divorcees and children
Divorcees who receive SSDI benefits from their former spouse will generally see these benefits stopped if they remarry. Benefits given to children under age 18, or students aged 18 or 19, who receive these benefits due to a disability or on behalf of their parents may also be taken away if they get married.