Ask Larry


How Can I Find Out How Remarrying Will Impact My SS?

I am a 61yo divorced woman in a relationship navigating whether or not remarrying is a wise choice due to financial implications. My ex is alive and if I remarry I will only receive $200 per our local SSA office. I had an in-home childcare business with significant write offs for 20 years. I do have 33-35 years of work history. My early retirement SS amount would be around $850, retirement age would be around $1450, and late retirement over $1900.

Sunday, October 16, 2022 - 16:49

Will I Lose Any Of My Money If I Remarry?

Larry i am 66 and am receiving ssi benefits if I remarry will I loose any of my money

Hi. If, by SSI, you are referring to Supplemental Security Income (SSI), then yes you might lose some or all of your benefits if you get married. SSI is a needs based benefit, and if an individual is married and residing with their spouse then Social Security considers the income and resources of both members of the couple when determining whether or not they meet the hardship guidelines for SSI payments.

Saturday, May 1, 2021 - 07:43

Did I Mess Up By Remarrying?

I just turned 53 and am collecting Social Security disability benefits (a very small check). My second husband (to which I'm still married) is almost 60.5 years old and is still working. He is set to retire at 66.5, so in another 6 years.

My first husband will be 54 in May. I'm pretty sure he makes more money than my second husband, though he's only a year older than I am, so I'm not sure if he has more in 'the pot' since he's younger than my second husband.

Thursday, February 15, 2018 - 07:08

What Effect Would Getting Married Have On Our Benefits?

I’m 72 and my fiancé is 77 if we get married will it effect our social security?


Getting married would have no effect on any Social Security benefits that you currently receive, except in the unlikely event that you are receiving either disabled adult child's benefits or parent's benefits. And, it's possible that one of you might become eligible for spousal benefits on the other's record depending on your current benefit rates. You might want to consider using our maximization software to find out whether or not that's a possibility.

Sunday, February 11, 2018 - 07:40

Can I File On My Ex's Record after Remarriage?

I am 65, unemployed (laid-off), and have not yet started taking my Social Security. My FRA is 66 (April 2017). My wife is working part-time + (more than 20 hours a week but less than 40). She is 56 and her FRA is 66 years and 10 months. My ex-wife is 63 and has been employed longer than my wife because she took some years off to be a "stay-at-home" Mom. My ex has not yet started her Social Security and I don't know when she plans to. I would ask her but she pretty much hates me. The divorce and subsequent years have not been amicable.

Friday, July 1, 2016 - 11:45

Don’t take a one-time payment. You can’t count on dying on time

Eric: I’ll be 69 in April and have held off taking benefits up to this point. I did a calculation to see what the break-even point would be at starting times of 66, 67, 68, 69 and 70. It turns out that all of them reach the break-even point at about age 80 to 81, at which time I would have made up the “leave it on the table” money and start coming out ahead with higher benefits (even factoring in the interest income lost).

Wednesday, May 25, 2016 - 22:15
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