Ask Larry

Will I Lose My Benefits When I Get Married?

I'm 66 and going to get married in September this year will I loss my social security. My husband to be will be 73

Hi,

Assuming that you're receiving Social Security retirement benefits based on your own work record then the answer is no. Nor would getting married have any effect on widow's benefits or survivor benefits on the record of a former husband.

Furthermore, after you're married it's possible that you might become eligible for spousal benefits on your new husband's record, but only if 50% of his full retirement age rate (PIA) is more than your PIA. In most cases, though, you must be married for at least a year before you can qualify for spousal benefits (https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0305.html).

About the only way that your marriage could result in losing your Social Security benefits is if you're receiving divorced spousal benefits on a living ex-spouse's record, or if you're receiving disabled adult child's benefits on the record of a parent.

Once you do get married, you may want to inquire with Social Security to see if you could qualify for spousal benefits on your husband's record, or vice versa.

Best, Jerry

Category: 
Posted: 
Jun 3 2018 - 7:17am
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