Will I lose my disability if I get married? This is a common concern for many individuals with disabilities who are considering marriage. The fear of losing their disability benefits is a valid one, as there are certain rules and regulations that can affect one’s eligibility for these benefits upon marriage. In this article, we will explore the potential impact of marriage on disability benefits and provide some guidance on how to navigate this complex issue.
Marriage can indeed have an impact on one’s eligibility for disability benefits, depending on the type of benefits and the specific circumstances of the individual. For example, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two common types of disability benefits that can be affected by marriage.
Understanding SSDI and SSI Benefits
SSDI is a federal insurance program that provides financial support to individuals who are disabled and unable to work due to their condition. To qualify for SSDI, an individual must have worked and paid into the Social Security system for a certain number of years. If a person with SSDI gets married, their benefits may be affected in the following ways:
1. Spousal Benefits: If the disabled individual’s spouse is also receiving SSDI, their benefits may be reduced to prevent the couple from receiving more than the maximum amount allowed for a married couple.
2. Earnings Test: If the disabled individual’s spouse is working and earning a certain amount of money, it may affect the disabled individual’s SSDI benefits. The earnings test is designed to ensure that the disabled individual is not working and earning more than a certain threshold.
3. Marriage Age: If the disabled individual is under the age of 50, their SSDI benefits may be reduced if they get married. This is because the Social Security Administration (SSA) assumes that younger individuals may have a better chance of returning to work.
SSI Benefits and Marriage
SSI is a needs-based program that provides financial assistance to individuals with disabilities who have limited income and resources. When it comes to SSI, marriage can have a more significant impact on one’s eligibility for benefits:
1. Income and Resources: The income and resources of the disabled individual’s spouse are considered when determining SSI eligibility. If the spouse has a high income or significant resources, it may disqualify the disabled individual from receiving SSI benefits.
2. Living Arrangement: If the disabled individual is living with their spouse, their SSI benefits may be reduced or terminated, as the SSA considers the spouse’s income and resources when calculating the disabled individual’s benefit amount.
3. Marriage Age: Similar to SSDI, the age at which the disabled individual marries can also affect their SSI benefits. If the individual is under the age of 50, their benefits may be reduced upon marriage.
Seeking Professional Advice
Given the complexities surrounding disability benefits and marriage, it is essential for individuals with disabilities to seek professional advice before making any decisions regarding marriage. An experienced attorney or financial advisor can help explain the potential impact of marriage on disability benefits and provide guidance on how to protect one’s eligibility for these crucial financial resources.
In conclusion, marriage can indeed affect one’s eligibility for disability benefits, but it is not an automatic disqualification. By understanding the rules and regulations and seeking professional advice, individuals with disabilities can make informed decisions about their future and ensure that they continue to receive the support they need.
