How Will My Marital Status Affect SSDI And SSI Benefits?

Parmele Law FirmSocial Security

The government loves to place people in categories based on personal information. The categories are evolving as our society changes and a recent change was seen with the introduction of a non-binary option for those that do not identify as either male or female. Another way people are categorized is by marital status and in this instance there are financial pros and cons to being married versus being single. For instance, the tax brackets are different for single wage earners than they are for married couples, and your marital status can have a drastic impact on how much you pay in taxes. Unfortunately most of the classifications we are forced into do have an effect on our finances, so knowing ahead of time what role your marital status plays in a particular circumstance is helpful.

Payments from the Social Security Administration for disability is one place to look for how marital status changes the outcome. In particular, looking at Social Security Disability Income (SSDI) and Supplemental Security Income (SSI) is important:

  • SSDI is a program that pays disabled workers an income when they are not able to work due to a disability. The amount of the benefit is determined by looking at your work history and work credits earned, and how your disability impacts your ability to work. Certain conditions automatically qualify for SSDI while others have to be proven.
  • SSI is a form of payment that is needs based, so your total income is taken into account when a determination as to whether you are eligible for SSI is made. This means if you are married, your spouse’s income will come into play. In this way, your marital status can impact your SSI payment amount or whether you qualify for the benefit at all.

An SSI payment can also be reduced or denied based on living arrangements that do not include marriage. For example, if your expenses are covered by a third party, you may not qualify for SSI because you do not have a financial need for the money. Whatever your situation, it is always a good idea to let an attorney look at your case and let you know the best way to proceed.

If you have questions about the impact of marriage on SSDI or SSI payments, call an experienced attorney for help. Contact us online today for more information. We can also be reached by phone at 855-727-6353.