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Effect of marriage on Social Security benefits

Effect of marriage on Social Security benefits

February 19, 2011 by admin

It's not clear what type of benefit your boyfriend receives.

If he receives Supplemental Security Income (SSI), then marriage may well affect his benefits since SSI benefits are granted to those with limited income and assets :

If he receives retirement benefits based on his own work record, then marriage will not affect his benefits. Social Security retirement benefits do not have a marriage penalty. A married couple's lifetime earnings are calculated independently to determine their benefit amounts. Therefore, each spouse receives a monthly benefit amount based on his or her own earnings. However, if one member of the couple earned low wages or did not earn enough Social Security credits to be insured for retirement benefits, he or she may be eligible to receive benefits as a spouse.

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