If you get married, can you keep disability benefits?

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There are different income considerations for different kinds of disability benefits.

Q. Why are there people on SSDI who are married? I’ve heard you can’t get married and keep the benefits.And some, but not all, people receiving disability benefits are subject to a so-called marriage penalty, which canSocial Security offers Supplemental Security Income and Social Security Disability Income programs to help people who meet Social Security’s requirements as having a qualifying disability, said Jeanne Kane, a certified financial planner with JFL Total Wealth Management in Boonton.

SSDI pays you and certain family members if the requirements of working long enough, working recently enough and having paid Social Security taxes on your income are met. This is insurance based – you have to meet the sufficient work history and tax payment requirement to be considered “insured,” Kane said.“If you have a life change like getting married, your household finances may change,” she said.

If you and your spouse each receive SSI before getting married, then your individual benefit would change to a couple’s rate when you got married, she said.Because SSDI is based on your own work history and medical condition, it is not subject to the marriage penalty, she said. However, if you qualify based on a spouse’s or parent’s work history, then you may be subject to it.

It’s always important to speak to the Social Security office to fully understand the program that you are eligible for and any penalties you may be subject to if your income or marital status changes.which proposes to eliminate the marriage penalty for some people who are SSI eligible, Kane said.

 

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