Ben at Timanfaya national park in Spain

Ask Ben: Will Marriage Affect SSI and SSDI Benefits?

In Ben Spec, Benefits and Employment Articles, Featured, News by Ben Spec

I’ve heard it’s been unusually cold in parts of the United States!  Brrrr!  Not for me….I’m staying warm in Timanfaya National Park, on the Island of Lanzarote, Spain.  The parkland here is made up entirely of volcanic soil.  It’s beautiful, and warm!

I just checked my email and see I have a question about marriage and SSA Benefits.

Hi Ben,

I am working with a couple who are planning to get married in 2 months. Dan receives an SSDI payment on his own record, and has Medicaid through the MAPP program.  Nathan receives SSI and SSI-related Medicaid. Neither of them is working right now, but both plan to look for jobs after the wedding.  They want to know what effect marriage will have on their benefits.

Thanks for your assistance!

Work Incentives Benefits Specialist

Hi Jody,

I’ll discuss Dan’s benefits first, since those are easier: the marriage will have no effect at all on his benefits!

SSDI is Not Affected by Marital Status

Since SSDI is earned based on a person’s past work, it is not affected by marital status, assets, or non-work income such as other disability payments, earnings from investments, gifts, lottery winnings, etc.  So, Dan’s SSDI payment will not be affected by his marriage. His SSDI payment could, though, be affected by his earnings from work.

(Tip: The SSDI program has rules designed to encourage people to work. I will talk more about those in other posts.)

MAPP Eligibility and Premiums Could Be Affected by Marriage…
But Not in this Case!

MAPP eligibility typically depends on the income of both spouses compared to family size, and the monthly premium depends on the just the applicant’s income compared to the family size.  However, a spouse in the SSI program is not counted as part of the family when deciding about MAPP eligibility and premiums. So, neither Dan’s MAPP eligibility nor premium will be affected by his marriage.

Shared Assets and Income Could Affect SSI Eligibility and Benefit Amount

For Nathan, the situation is more complicated. The income and assets of a non-SSI spouse (Dan, in this case) are assumed to be partially available to the SSI spouse (Nathan).  A process called “deeming” is used to account for this: some of Dan’s income assets will be “deemed” to be shared and available to Nathan. This could result in Nathan not being eligible for SSI, or being eligible for a smaller payment.

The combined financial assets of Dan and Nathan will be compared to the asset limit for a couple: $3,000. If their combined assets are greater than $3,000, Nathan will no longer be eligible for SSI (and SSI-related Medicaid).

(Tip: A home and one car are not counted toward the resource limit. There are also other resources that are not counted, such as personal items, pension funds, and some funeral/burial resources.)

The deeming calculations for income are more complicated than I can easily explain here. But a rough version is:

  • Nathan will not be eligible for SSI if Dan’s unearned income (such as SSDI, and other non-work income) is more than $1,125 (2018).
  • If Nathan also has unearned income other than SSI, that amount will be added to Dan’s and compared to the$1,125 limit.
  • When they are working, about ½ of their combined earnings will be counted toward the $1,125 limit.
  • If Nathan is eligible for SSI after considering Dan’s assets and income, the amount of his payment will be determined by the deeming calculations.

Meet with your Social Security Representative!

So, it is a very good idea for them to meet with a Social Security representative before getting married to find out more specifically how Nathan’s SSI eligibility and payment will be affected.  They will have enough surprises as a married couple – they won’t want to have any additional Social Security surprises!


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