Will Remarriage Affect my Social Security Benefits?

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

  1. My ex spouse just passed and I was married to him for 18 years..I remarried at age 71…I draw my own social security..my question is can I get survivors benefit from my ex spouse…Thank you

    • Hi Kathy, thank you for using our blog. If your ex-spouse is deceased and you want to file for surviving divorced widow’s benefits, you cannot apply online. To apply for survivor benefits, call us at 1-800-772-1213 for assistance or you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

  2. My father was married to my mother for 46 years and we just found out that he never divorced his first wife. Will my mother qualify for the widow spousal benefit? and what rights does the first wife has?

    • Hi Brenda, thanks for using our blog. For your security, we do not have access to private information in this venue. We ask that members in our Blog community work with our offices with specific questions. You can call us at 1-800-772-1213 for assistance or you can contact your local Social Security office. Please look for the general inquiry telephone number at the Social Security Office Locator. The number may appear under Show Additional Office Information. Please be aware that our call wait times are longer than normal. We hope this information helps.

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