The Effect of Marriage on SSDI Benefits

two gold rings resting in the middle of an open book
Mar 11, 2022 | Sara Khaki

Obtaining Social Security Disability Insurance (SSDI) is a complex process even for applicants with qualifying disabilities. Those who successfully prove their eligibility often wonder whether getting married will affect their SSDI benefits. Fortunately, because of the nature of this Social Security benefit program, getting or being married does not affect your eligibility, and your spouse’s income has no impact on the amount you receive.

Can Marriage Affect Your SSDI Benefits?

Eligibility for SSDI benefits depends on your work history and disability status. 40 work credits are generally required for SSDI benefits, and 20 of them must have been earned in the last 10 years. You may qualify with fewer work credits if you’re under the age of 31.

Furthermore, your disability must prevent you from performing your job duties and have lasted or be expected to last for about a year or lead to death. As long as you meet these eligibility requirements, you should qualify for SSDI benefits regardless of your marital status.

Can Getting Divorce Affect Your SSDI Benefits?

If you divorce your SSDI-receiving spouse, your payments as a beneficiary will cease once you remarry. This is because the money is meant to be assistance for a disabled ex-spouse. This may change if you were married for at least a decade and if you’re 62 years of age or older, at which point you can receive benefits until death, unless one of you remarries.

Ask an Experienced Attorney for Advice on Claiming SSDI Benefits

If you or your spouse are disabled and unable to work, you may be entitled to disability compensation from the Social Security Administration. Speaking with an attorney can help you determine whether you meet the eligibility requirements for SSDI benefits. If you need help recovering lost or unclaimed benefits, reach out to our disability advocates to schedule a consultation today.

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