Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) provide financial support to individuals with disabilities. However, many people wonder if getting married affects these benefits. Marriage can change the financial and living situations of individuals, leading to questions about how these changes impact SSI/SSDI.
SSI and marriage
SSI benefits depend on the income and resources of both the individual and their spouse. When someone on SSI gets married, the Social Security Administration (SSA) considers the spouse’s income and resources when determining the amount of benefits.
Additionally, if both spouses receive SSI, their benefits might be lower because of the couple’s income and resource limits. SSI rules intend to ensure that benefits go to those with the greatest financial need.
SSDI and marriage
SSDI benefits depend on the individual’s work history and the amount they paid into Social Security. In most cases, marriage does not affect a person’s benefits. If an individual qualifies for SSDI based on their own work record, their benefits continue even after marriage. However, if someone receives SSDI as a dependent on a parent or spouse’s record, marriage can end those benefits.
Weighing the impact of marriage on benefits
Understanding how marriage affects SSI and SSDI helps individuals make informed decisions about their financial future. Consulting the Social Security Administration before making decisions about marriage can provide clarity and help avoid unexpected benefit changes.
Knowing these rules ensures that individuals can navigate their benefits effectively and plan for any changes that marriage might bring to their financial situation.