Ask Larry

If I Marry Someone With A Minor Child Can I Receive More Money?

If I marrying wife and she has a minor child can I receive more money and which account does it goes in hers or mines and if hers can it be move.

Hi. Your benefit amount wouldn't change if you get married to someone with a minor child. However, children can potentially qualify for a child's benefit on the record of a step-parent who's drawing Social Security retirement or disability benefits. In order to qualify for benefits the stepchild must meet a dependency requirement, meaning that you would have to be providing at least one-half of your stepchild's support (https://secure.ssa.gov/apps10/poms.nsf/lnx/0301301010). Also, the child must be either under age 18, 18-19 and attending high school, or disabled from an impairment that began before age 22.

If your stepchild does meet the dependency requirement, the earliest that he or she could qualify for benefits on your account is the month in which the first anniversary of your marriage to her mother occurs. If it's a minor child, Social Security normally appoints a parent with custody to be the child's representative payee. The representative payee is required to use the child's benefits to pay for the child's needs, or be saved for their future needs.

Best, Jerry

Category: 
Posted: 
Dec 9 2021 - 8:41am
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.