Social Security Disability Insurance benefits are often a financial lifeline for those who cannot work. As such, recipients are often hesitant to take any action that might jeopardize those benefits — even putting off marriage. Realistically, though, it is entirely possible for SSDI recipients in New Jersey to get married without having to give up any of their benefits.
Eligibility is personal
The Social Security Administration defines disability as having an injury or illness that prevents an individual from maintaining employment for a period of at least one year, or that will likely result in his or her death. Having a spouse does not factor into whether the SSA considers someone disabled. SSDI payments should still be calculated on a person’s income and work history.
Securing spousal benefits
Spouses of SSDI recipients are sometimes able to secure benefits of their own. Spousal benefits operate in much the same way as having a retired spouse. According to the SSA, factors that come into play when deciding whether to grant benefits and how much include:
- The non-disabled spouse’s age
- Length of the marriage
- The amount of the SSDI recipient’s benefits
Disability might make it hard to work, but it does not stop people from maintaining loving and meaningful relationships. In the same manner, concerns around SSDI benefits should not stop recipients from getting married. However, when making any large or financial decision, New Jersey SSDI recipients are often well advised to speak with a knowledgeable attorney about how it may potentially affect their benefits.