Will Remarriage Affect my Social Security Benefits?

Whether it’s a morning ceremony or an evening gala, excitement’s in the air. It’s wedding season! A time when many couples officially tie the knot. Social Security is with you throughout life’s journey, we wouldn’t miss the chance to be there after your wedding. 

If you’re getting married, along with the excitement of your impending nuptials, you may have some questions about changing the name on your Social Security card.

If you get Social Security disability or retirement benefits and you get married again, there are four ways in which remarriage may affect your benefits:

  1. If you receive Supplemental Security Income (SSI) benefits — If you marry, your spouse’s income and resources may change your SSI benefit. If you and your spouse both get SSI, your benefit amount will change from an individual rate to a couple’s rate.
  2. If you receive benefits as a widow, divorced widow, widower, or divorced widower — You cannot get benefits if you remarry before age 60 or if you are disabled and remarry before age 50. If you remarry before you turn 50, you will not be entitled to survivor’s benefits, unless the marriage ends.

—  If you remarry before you turn 60 and that marriage ends, you may become entitled or re-entitled to benefits on your prior deceased spouse’s earnings record. Your benefits begin the first month in which the subsequent marriage ended if all entitlement requirements are met.

  1. If you receive divorced spouse’s benefits — Generally, your benefits end if you remarry. Check out if you are divorced for more information.
  2. Benefits for a child under age 18 or student ages 18 or 19 — Benefits end if you marry. You can find more information in our page Benefits for Children.

Also, your remarriage after age 60 does not prevent you from becoming entitled to benefits on your prior deceased spouse’s Social Security earnings record. Visit our Benefit Planners for more information.

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62 thoughts on “Will Remarriage Affect my Social Security Benefits?

  1. I’m 74, my first wife died 3 years ago. I remarried last year. My present wife is not a citizen yet but does have a green card. Is she entitled to any benefits now? How about after I die, will she receive benefits based on my SS income?

    • Hello Elve. Thank you for your question. Generally, you may be eligible to receive benefits on your ex-spouse’s record at age 62, if:
      • You were married to your ex-spouse for at least 10 years;
      • You are unmarried;
      • Your ex-spouse is entitled to Social Security retirement or disability benefits and,
      • The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse’s work.
      See our Retirement Planner: If You Are Divorced for more information. We hope this helps.

      • Hello Elve,

        If you are a victim of the Gov Pension Offset (GPO) you may not receive any Spousal Retirement from your husbands account. 81% of those denied a Spousal Retirement because of GPO are WOMEN.

  2. My husband gives me an allowance of 600 month but it use to be 1500 month. We have been married 10 yrs. He’s 86 and I’m 55. Could I draw on his AS benefits now since I took a loss in pay since I married him…im a home spousal provider ( as he states on tax return s my ocupation – and he amended my earnings and credits [ I didn’t have knowledge of]). What does this mean to my credits for my future with SS

    • Hello Guadalupe. Thank you for your question. If you have not worked or do not have enough Social Security credits to qualify for your own Social Security benefits, you may be able to receive spouse’s benefits.
      To qualify for spouse’s benefits, you must be:
      At least 62 years of age; or
      Any age and caring for a child entitled to receive benefits on your spouse’s record who is younger than age 16 or disabled.
      Your full spouse’s benefit could be up to one-half the amount your spouse is entitled to receive at their full retirement age. If you choose to begin receiving spouse’s benefits before you reach full retirement age, your benefit amount will be permanently reduced. See Retirement Planner: Plan For Your Retirement for more information.
      We encourage you to contact us at 1-800-772-1213 (TTY 1-800-325-0778) for questions relating specifically to your work credits. It will be helpful to have information such as Forms W-2, pay stubs, etc. Hope this helps.

      • Hello,

        If you never worked, were underemployed, or have trust account income, you will receive a Spousal Retirement Benefit. If you worked, earned the same or greater than your husband, were an educator, law enforcement, or other health a safety professional you will be punished and denied a Spousal Retirement Benefit if you are a victim (81% are WOMEN) of the Gov Pension Offset. The SSA Gov Pension Offset is anti income equality.

  3. I am on Social Security disability for anxiety disorder. If I marry someone with a minor child, then will I receive an additional 50% increase in disability benefits for the child.

  4. I was wondering what happens to the Social Security Benefit money of someone who is incarcerated. My ex-husband owes me over $50,000 in back Child Support and is now in prison for life, but before his prison sentence he was steadily employed, meaning he has earned Social Security benefits. So where do his earned benefits go, who are the benefits paid to and why can’t he receive benefits in prison?

    • Is he disabled or past retirement age? If so he will not get payments while incarcerated but his dependents can unless his impairment is related to the felony for which he is incarcerated

  5. I was on permanent disability and when my ex husband died they changed it to widows benefits. Why? I divorced him years ago. Not saying I want to get married again..but if I did which rule applies to me?

  6. I am 65 years old my husband just walked away from the marriage. We were married 40 years. I get no support from him or help of any kind. I was wondering if I can receive any money to help me. I am on social security but need a little more to make ends meet. His check is way more than mine.

    • We are sorry to hear of your situation, Barbara. Generally, during the initial interview, when individuals apply for their Social Security benefits, we explore other possible eligibility that could pay them a higher benefit amount. In cases where individuals are eligible for benefits on their own record and for benefits as a spouse, we always pay their own first. If their spousal benefits are higher than their own retirement benefits, he or she will get a combination of benefits equaling the higher spouse benefit. However, a person’s benefit amount can never exceed the highest single benefit amount to which that person is entitled. For more information, please see our Retirement Planner: Benefits For You As A Spouse.
      You may be eligible to receive additional assistance from the state where you live. You can get information about services in your area from your state or local social services office. You can also visit the U. S. Department of Health and Human Services web page for more information. We hope this information helps.

  7. I collect social security from my own earnings, will this be affected if I get married again? He is also on social security from his earnings.

    • Thanks for your question, Sharon. If you get Social Security disability or retirement benefits on your own record and you marry, your benefit will stay the same. For information on how marriage effects benefits, please visit our “Frequently Asked Questions” page. Also, if your new spouse is a Social Security beneficiary, you may become eligible for spouse’s benefits on his/her record after one year of marriage. See our Retirement Planner: Benefits For You As A Spouse for more information.

  8. My name is Mark ! and i live in Sacramento california and the cost of living is very high i collect disability benefits every month ! My question is can i get reimbursed for my medical costs and travel costs associated with my initial disability event ?i was approved in 2003 Also ! May i Apply for and receive my SSI benefits before i reach retirement age ? I feel that would be far and very helpful ! send a private reply to my submitted email adrees ok ? Thank you ! Mark !

    • Hi Mark. Since we do not have access to personal information, we do not do direct messaging in this venue. We ask that our followers contact their local office or call our toll-free number at 1-800-772-1213 with questions about their specific case. Telephone representatives are available Monday through Friday, between 7 a.m. and 7 p.m. Generally, you will have a shorter wait time if you call later during the day or later in the week. Also, we pay disability benefits under the Supplemental Security Income or SSI program. SSI is a needs-based program that pays benefits to disabled individuals based on financial need. Generally, when you apply for disability benefits, we take applications for both programs. Our agents will be able to provide a thorough explanation. Thank you.

  9. Hi I get a disability check from SSA and my husband gets his VA Retirement and VA disability will I get some of his retirement and at what age?

    • Thank you for your question Diane. In your case, you may be able to get spouse’s retirement benefits if and when your spouse starts receiving Social Security retirement or disability benefits. However, keep in mind that if you qualify for benefits on your own record and for benefits as a spouse, we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. See our Retirement Planner: Benefits For You As A Spouse for more information.

  10. My husband passed away in 1996. I was awarded a widow’s pension at that time of 60% of his pension because I was not 65 years old. I am now 83 years old and have been receiving $1177.00 a month for nearly 5 years. Have I not passed the penalty age and could I get 100 percent of his pension at this time. I also have paid into Social Security but have not been permitted to collect that amount either.
    I wonder who is getting the money I am not.
    Please advise. Thank you

    • Hi Frances. If a person begins to receive benefits prior to their full retirement age, their benefits are reduced. The reduction factors are permanently applied to all of the benefits the person may qualify for. Generally, survivor’s benefits are paid at a higher rate. Sometimes, a person could be entitled to more than one benefit at the same time and may receive a combination of benefits equaling a higher amount. For example, a person may be entitled as a retired worker on his/her own record and also as a spouse or widow on another record. However, this individual’s benefit amount can never exceed the highest of either benefit amount to which they are entitled to. To see if you qualify for a higher benefit than what you are currently receiving, contact your local office or you may call our toll free telephone number at 1-800-772-1213, Monday through Friday between 7 a.m. and 7 p.m. and ask a representative to assist you. Thanks!

  11. I get my deceised husbands SSI Iam 73 now what I would like to know if I remarry but I don’t take my new husbands name would their be a change in my income from my exciting husban

    • Thank you for your question Gail. Widows that remarry after age 60 (age 50 if disabled), may continue to qualify for benefits on their deceased spouse’s Social Security record. If your new spouse is a Social Security beneficiary, you may want to apply for spouse’s benefits on that record. If that amount is higher, you may be entitled to the higher amount, based on both records. Generally, you must be married for one year before you can get spouse’s benefits. Please visit our Frequently Asked Questions web page to see how marriage can affect Social Security benefits. We hope this helps!

  12. I get my late husbands SSI plus mine , I want to get married but I don’t want to take my new husbands last name. What I would like to know would any of the SSI change money wise

  13. hi I”m Matt. I would like to know if i get married and she works would that change anything for my benefits .Also is there a way I can get more money a month through a additional program,because I get disability now but its not a lot ?Also what would happen if I claim my step child ?

    • Good question Matt. For the person receiving Social Security disability insurance (SSDI) benefits, marriage does not affect his or her benefit. These benefits are based on earnings and are not subject to income and resource limits. Also, under this program, your eligible children may also qualify to receive benefits on your record. In the other hand, for the person receiving Supplemental Security Income (SSI), getting married may affect his or her benefit. This is because the amount of the SSI benefit is based, in part, on the income available to him or her and the spouse. See “If I get married, will it affect my benefits?” for more information.

  14. , I am retired on my own work history, I would like to sell my home. I am 63 and I would like to know how it would affect my benefits ,being that I have not reached full retirement age

  15. Me and the wife now was married for 27 yrs got a divorce and remarried each other again would we be entitled to each other’s social security if something happened to one of us .

    • It appears that you and your wife meet the eligibility requirements needed for spouse’s benefit. According to current policy, a spouse must meet a 1 year duration-of-marriage requirement. Generally, a surviving spouse or widow meets this requirement, if the marriage took place no later than 9 months immediately preceding the day on which the worker died. To learn more, visit our Survivors Planner: Survivors Benefits For Your Widow Or Widower. If you have specific questions about your situation, please call our toll free number, 1-800-772-1213. Representatives are available Monday through Friday, between 7:00 a.m. and 7:00 p.m. Thanks!

  16. Female 54 years old under 100% disability via SSDI and if she gets married to Retired person over 65 is their any impact to the amount paid to her via SSDI?

    • Thank you for your question, Lucy. If you get Social Security disability (SSDI) benefits and you marry, your benefit will stay the same. On the other hand, If someone is receiving disability benefits under the Supplemental Security Income or SSI program, getting married may affect their benefits. This is because the amount of SSI benefit is based, in part, on the income and resources available to the individual receiving SSI benefits and the income and resources of his or her spouse. We hope this information helps.

  17. I want to change my address, but as I was opening my aaount and had given my ss dddate of birth number , address, phone #, my info was gone. I could not retrieve it. I wanted to give you my new address, but could not finish opening my account. I think hackers might have taken my personal info!!! Help! I knew I should not have tried to do this online!

  18. Thanks , I am thinking if I get married with a person that has a pension higher than me, and I receive SSI and SSA, it seems that I can keep the small amount because he receives a higher amount…. Suppose that we are already married and if he has 76 and he dies and we do not have the year that you need to have here in California, what happens to me .. if I will be receiving just 262 , (with no SSA 653 ) …. I mean then what happen if he dies before the year and I am alone?… thanks for your answer…

  19. If I marry my girlfriend and she is on SSI and I am on Social Security Disability and I just turned 65 will it affect her benefits or mine?

    • Good question, Bert. For the person receiving Social Security disability insurance (SSDI) benefits, marriage does not affect his or her benefit. These benefits are based on earnings and are not subject to income and resource limits. For the person receiving Supplemental Security Income (SSI), getting married may affect his or her benefit. This is because the amount of the SSI benefit is based, in part, on the income available to him or her and the spouse. See “If I get married, will it affect my benefits” for more information.

  20. I’m 66 I receive my last husband ss, his benefit is higher than mine, if I remarry how would this affect my benefit I’m marring a man 67 who get ss also.

  21. Mjrjones1982@yahoo.com. . My question is how long do I have to wait to remarry and continue to receive my SSI off my ex husband. And when I remarry I am not changing my name. The guy I. Marry isn’t old enough to collect any SSI.

  22. Hi, I’m a female of 66 years young and collecting social security. Will remarrying effect my social security?

    Thanks
    Ghada

  23. Hi. I am 51 years old & disabled. My husband passed 5 years ago & therefore I am collecting his survivor benefits as it was more than my disability. I have now met someone and we would like to marry & grow old (er) together. Will I lose my survivor benefits?

  24. can i still get benefits from my marriage as a widow if i remarry? and do i get my partners insurance benefits if we marry?

  25. Can I draw off my ex spouse ssi if he is drawing his retirement and disability now he’s not 62he be 61in June and I will be 44 in March but we both disabled and we are devoiced but we still live together and have been since we devoiced

    • Hello Judith, you may be able to receive benefits on your ex-spouse’s record if:
      • You were married to your ex-spouse for at least 10 years;
      • You are unmarried;
      You are age 62 or older;
      • Your ex-spouse is entitled to Social Security retirement or disability benefits and,
      • The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse’s work.
      For more information, please visit our Retirement Planner: If You Are Divorced. We hope this information helps!

  26. I am 67 year old widower. My wife passed away two years ago at the age of 62 after 36 years of marriage. I am planning to marry this year with newly found love. Will my spousal benefit be affected by new marriage? Websites does not specifically answer for this except I am entitled to benefit of former spouse. I want to make sure whether the amount will be affected or not.

    Thank you

    • My ex husband and me recently got morried to each other again. He is still working full time and draws ssi. I am retired. I took an early retirement. I am currently 63. by us getting married again will this affect our ssi payments?

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