How Does My Spouse’s Income Affect My Social Security?





For millions of disabled and elderly people across America, social security continues to be a primary source of income and a necessity to meet life’s monthly financial obligations. While for many people the benefit is intended to be a guaranteed stream of income for life, there are situations when it could be impacted. One way it could be impacted is by your spouse’s income.

SSI

One situation when your spouse’s income could affect your social security benefits is if you are collecting SSI benefits. SSI benefits are benefits through the program which are provided to people who have a limited stream of income, but do not qualify for the traditional benefits program because they did not contribute to it when they were working. If your spouse’s income reaches a certain point, you will no longer qualify for that benefit.

Survivors Benefit

Another situation when your spouse’s income could affect your social security benefits is if you qualify for a survivor’s benefit. Some people qualify for a survivor’s benefit if their spouse passes away and the income is deemed a necessity. If you qualify for a survivor’s benefit you could see your income from the benefit increase dramatically after your spouse passes away.

Disability

While there are situations when your spouse’s income could affect your social security benefits, one situation when it will not impact it is when you are receiving it for disability. If you are incapable of working because of physical or mental disabilities, your spouse’s income will have no effect on whether you are able to receive the benefit or not. The decision will be based solely on your ability to work being affected by your disability.



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