For many retirees, finding love again later in life is a beautiful thing. But before saying “I do” for the second (or third) time, it’s crucial to understand how remarriage can impact your Social Security benefits. Depending on the type of benefits you receive, getting remarried could either have no effect at all—or result in losing a significant portion of your monthly check.
If You Receive Retirement Benefits
The good news? If you’re collecting Social Security based on your own work record, remarrying will not affect your benefits. Your payments are determined solely by your earnings history, and getting married again won’t change that.
If You Receive Spousal Benefits
Things get trickier if you’re receiving spousal benefits based on an ex-spouse’s work record. In most cases, these benefits will stop the moment you remarry. The Social Security Administration (SSA) does not allow someone to continue receiving an ex-spouse’s benefits while being legally married to someone else.
If You Receive Survivor Benefits
If you’re collecting benefits from a deceased spouse, remarriage can affect your payments—but it depends on when you remarry.
- Before age 50: If you remarry before turning 50, you will lose survivor benefits.
- Between 50 and 59 (if disabled): If you’re disabled and receiving survivor benefits, you can keep them even if you remarry.
- After age 60: If you remarry at 60 or later, your survivor benefits will not be affected. This means you can still receive benefits based on your late spouse’s work history while being married to someone else.
If You Receive Supplemental Security Income (SSI)
SSI is a needs-based program, meaning your payments depend on your income and financial situation. If you remarry, the SSA will consider your new spouse’s income and assets when determining your eligibility. This could lead to a reduction—or even a complete loss—of your SSI benefits.
What Should You Do?
Before making any decisions, it’s a good idea to speak with a Social Security representative or financial advisor. They can help you understand how marriage might impact your specific benefits.
While love and companionship are priceless, losing Social Security income unexpectedly can be a financial burden. Knowing the rules in advance can help you make informed choices and plan your future wisely.
