Getting remarried is exciting! But you may find yourself questioning the future of your Social Security benefits. Here’s a brief overview to help you think it through.
Updating Your Name on Your Social Security Card
Before we go any further, if you’re changing your name, update the Social Security Administration. Start by visiting the “Change Name with Social Security” page to see if you can do this online. If not, you can at least start online and finish at your local Social Security office with your marriage certificate. Your new card will only take about 14 business days to arrive. If applicable, tell your employer so your payroll records can be updated. This will save you headaches later.
How Remarriage Affects Your Benefits
Your new marriage could impact your benefits. Don’t let this surprise you.
- Supplemental Security Income (SSI) Payments
- Your SSI eligibility or payment may change based on your new spouse’s income and resources. If both spouses receive SSI, your payments might adjust to a couple’s rate. Tell the SSA about your new found love right away at 1-800-772-1213 to avoid the dreaded overpayment.
2. Surviving Spouse Benefits
- Remarry Before Age 50: You generally lose eligibility for survivors benefits unless the new marriage ends.
- Remarry Between 50-59: You may qualify for benefits if disabled when you remarried.
- Remarry After Age 60: You qualify for benefits from your deceased spouse or your new spouse, whichever is higher. Contact Social Security for details.
For more info, visit the Survivor Benefits page.
3. Divorced Spouse’s Benefits
- Generally, if you remarry, you lose benefits from your former spouse’s record. Report your new marriage to avoid overpayments.
4. Children’s Benefits
- Stepchildren may qualify for benefits if you receive retirement or disability benefits. Learn more on the “Who Can Get Family Benefits” page.
Final Thoughts
Getting remarried is a wonderful new phase of your life! Just keep these tips in mind to ensure your Social Security benefits also transition smoothly. If you have questions, visit the Social Security website or call them directly.
Congratulations and best wishes on your new marriage!
