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Will Remarriage Affect my Social Security Benefits?

September 5, 2017 • By

married couple hugging 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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Jim Borland, Acting Deputy Commissioner for Communications

Jim Borland, Acting Deputy Commissioner for Communications

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  1. Edward Morales-Webster

    My fiancé currently receives SSDI benefits. She’s 47 & I’m 54. I earn under 50k. Will her benefits change if we get married?

    Reply
    • Vonda

      Hi Edward, thanks for using our blog. Check out our Frequently Asked Questions web page for how marriage may affect other benefits. We hope this helps!

      Reply
  2. Vjoseph

    I draw ssi my soon to be husband draws social security disability makes under 18,000 how will that effect my check

    Reply
    • Vonda

      Hi Vjoseph, thanks for using our blog. Check out our Frequently Asked Questions web page for how marriage may affect other benefits. We hope this helps!

      Reply
  3. Cheryl Gratzer

    I am 74 and a widow! I forfeited my SS benefits in 2018 when my husband died and am receiving his SS as it was a higher amount! If I remarry can I still receive his benefit amount or can I revert back to receiving mine??

    Reply
    • Vonda

      Hi Cheryl, thank you for the question. 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!

      Reply

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