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

  1. If I am currently re-married and wish my current wife, not my former wife from whom I am divorced, to receive any social security benefits – how do I achieve that? Is there a “designated beneficiary” form I need to submit?

  2. I am currently drawing on my passed husband’s benefits(widows pension). However, i have been married for over 10 yrs to my current husband who has retired can i draw more on his ssc than on my late husbands. Not sure how that works didn’t get remarried until i was over 60. Can you give me infor on this? Don’t want to do anything wrong!

  3. A moderator really needs to get to work on this page… there are some posts (I just saw 2, side by side, same content) that very clearly and explicitly violate the Comment Policy…

    Thanks!

  4. My husband of eleven years died. I was told at the time of his death I had to wait until he would have been 62 to file for his benefits. In the interim, six years later, I remarried. Does that mean I no longer qualify for my first husbands benefits?

    • Hi Deidre, 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!

  5. question….if someone is collecting benefits from a deceased spouse and they get remarried (over age of 60)….start collecting benefits from the new spouse, but decide within 4 months they the marriage was a mistake and get divorced. Can that person go back to collecting benefits from the prior deceased spouse? I hope this makes sense

  6. I am 28. I get social security i believe drawing off of my mom. But i am disabled. If i got married would that effect the amount of money I revived monthly?

  7. My husband of 21 years died at age 47, I was 45. He earned way way more than I did so I would collect his benefits at retirement age. If I remarry before age 60, I lose ALL of his benefits, correct?
    Thank you for your reply.

    • Hi MG, thank you for your 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!

  8. If my divorced wife remarries she gives up social security benefits from me, but does she get any from her new husband? Alternatively she gives up any future social security benefits since she has none based on her own record.

    • Hi Paul, thank you for your question. The marriage of a divorced spouse will terminate entitlement to divorced spouse’s benefits unless the marriage is to an individual entitled to a widow(er)’s, mother’s, father’s, child’s disability, divorced spouse’s, or parents benefits. Hopefully this helps.

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