Navigating Disability and Marriage Rules

Discover the impact of marriage on benefits. Learn how SSDI and SSI benefits are influenced, and get insights into asset limits and income deeming.

The impact of marriage on your disability application can vary depending on the type of application you submitted (SSDI vs. SSI). Marriage can introduce a partner’s income and resources into the equation, potentially affecting eligibility for benefits. Read on to explore how marriage could impact your disability claim.

Will Getting Married Affect My Ability to Receive SSDI Benefits?

Marriage generally does not directly impact eligibility for Social Security Disability Insurance (SSDI) benefits, as SSDI is primarily based on your work history and disability. Unlike Supplemental Security Income (SSI), a needs-based program, SSDI eligibility is not determined by household income or resources. Therefore, your spouse’s income typically does not affect your eligibility for SSDI benefits. If you are receiving SSDI benefits, your spouse may be eligible for auxiliary benefits based on your work record if they are at least 62 years old, or if they are caring for a child who is under 16 or disabled. These auxiliary benefits are separate from and do not affect your SSDI benefit amount. If you get married after being approved for SSDI benefits, it generally does not impact your benefit amount.

Disability Insurance Benefits (DIB)

For DIB, which is based on work history and contributions to Social Security, marriage typically does not affect the applicant’s benefits. These benefits are determined by the individual’s work record, not household income. However, certain auxiliary benefits might be impacted, such as spousal or survivor benefits, depending on various factors like the spouse’s income and disability status.

Disabled Adult Child Benefits (DAC)

DAC benefits are often available to individuals who can prove that they became disabled before the age of 22, and are the dependent children of parents who are either receiving Social Security retirement or disability benefits or would be eligible for such benefits at the time of their death. In general, marriage itself does not directly affect the disabled adult child’s eligibility for DAC benefits.

Marriage and Medicaid

If you receive Medicaid along with your SSDI benefits, getting married could impact your eligibility for Medicaid benefits, as marital income and resources may be considered in some cases.

Will Getting Married Affect My Ability to Receive SSI Benefits?

Supplemental Security Income (SSI)

This program is need-based and takes into account both the applicant’s income/resources and their spouse’s. Getting married can lead to a reassessment of the household income and resources, potentially resulting in reduced or discontinued benefits if the combined income surpasses the eligibility threshold.

The following factors related to marriage may impact your SSI benefits:

Spousal Income

If you’re applying for SSI, your spouse’s income and resources will be considered when determining your eligibility and benefit amount. As an individual, you may have a total of $2,000 in assets to be technically eligible, but if you are married, your combined total assets may not exceed $3,000.

Spousal Support

If your spouse provides financial support for housing or other basic needs, that support will be considered when assessing your eligibility for SSI benefits.


If a married couple has any children, this may also factor into the decision-making that SSA makes when calculating the disabled individual’s disability payment each month.


The Social Security Administration (SSA) employs a process known as “deeming” to consider a portion of the spouse’s income and resources available to the SSI recipient. This can result in reduced or eliminated SSI benefits, depending on the amount of deemed income. Deeming refers to considering a portion of the income and resources of others as available to the SSI recipient. The deemed income is added to the individual’s own income to calculate their SSI benefit amount.

Also ReadWhat Conditions Qualify for Disability? (And How to Apply)

Other Impacts of Marriage on Disability Benefits

It’s essential to note that various considerations can vary depending on state regulations and individual circumstances. Suppose you need to figure out how marriage might affect your specific situation. In that case, it’s advisable to consult with a legal professional who can provide guidance based on your unique circumstances and the laws in your jurisdiction- like the ones at Evans Disability. They can help you understand the potential implications of marriage on your disability benefits and provide advice tailored to your situation.

It’s important to promptly communicate any changes in your living arrangements, marital status, or financial situation to the Social Security Administration. The impact of marriage on disability benefits can be complex, and individual circumstances may vary.

Also ReadWhat Other Benefits Can I Get With SSDI? (Maximize Support)

Connect With A Social Security Disability Attorney

Evans Disability has years of combined experience answering questions about how marriage can affect various disability applications. You can call today at (855) 360-1010 if you have specific questions.