Social Security Disability Insurance — SSDI — recipients often worry that the SSA will reduce their benefits or cancel their eligibility entirely if they get married. Fortunately, because SSDI is an insurance program funded by payroll contributions, a spouse’s income usually won’t affect a disabled worker’s ability to collect the benefits they need. However,  those receiving benefits based on a family member’s work history may need to speak with a lawyer to fully understand the consequences of getting married.

When Does Marriage Affect SSDI Benefits?

Understanding Work Credits

To qualify for SSDI, you or someone in your family must have earned sufficient work credits by participating in gainful economic activity and paying into the system. If your Social Security Disability payments are based on your own work history, getting married won’t affect your benefit schedule at all, regardless of your new spouse’s income.

Receiving Benefits as a Dependent

If you’re receiving benefits based on a relative’s work history, getting married can be more complicated. For instance, widows, widowers, and divorced spouses of qualifying workers will likely lose their benefits entirely if they remarry, since that eligibility was initially based on their lack of financial support. Adult children who receive benefits due to their parents’ work history will also likely lose their eligibility after marriage, even if they’re still unable to work. However, you may still qualify if you’re marrying another adult child disability recipient who receives benefits as a dependent.
 

Social Security Disability law is notoriously complex, which is why workers throughout Georgia’s Murray County rely on Goddard & Hammontree for their unmatched expertise and personal service. With this law firm, you’ll always work directly with your attorney, who will take the time to fully understand your case and your unique needs. Visit their website for more on their Social Security Disability services, or call (706) 278-0464 to speak with a lawyer and schedule your initial consultation.