Social Security Disability Benefits can provide crucial financial support for individuals who are unable to work due to a disability. While many people are familiar with these benefits for themselves, not everyone is aware that spouses may also be eligible for certain benefits under the Social Security program. Lets address some common questions about Social Security Disability Benefits for spouses to help you understand how this program works and who may be eligible.
Who is eligible for Social Security Disability Benefits as a spouse?
To be eligible for Social Security Disability Benefits as a spouse, you must be married to a worker who is receiving Social Security Disability Insurance (SSDI) or Social Security Retirement benefits.
Additionally, you must meet one of the following criteria:
- Be at least 62 years old,
- Be caring for the worker’s child who is under the age of 16 or disabled,
- Have been divorced from the worker, but the marriage lasted for at least ten years, and you are currently unmarried and at least 62 years old.
How much can a spouse receive in benefits?
The amount a spouse can receive in Social Security Disability Benefits depends on several factors, including the worker’s primary insurance amount and the spouse’s age when they apply for benefits. In general, a spouse can receive up to 50% of the worker’s benefit amount. If the spouse is caring for the worker’s child who is under 16 or disabled, they can receive up to 75% of the worker’s benefit.
When can a spouse apply for benefits?
A spouse can apply for Social Security Disability Benefits as early as age 62. However, if they apply before their full retirement age, their benefit amount may be reduced. Full retirement age varies depending on the year of birth, but it’s typically between 65 and 67.
Can a spouse receive benefits if the worker has not yet retired?
Yes, a spouse can receive Social Security Disability Benefits even if the worker has not yet retired but is receiving Social Security Disability Insurance benefits. The worker must be eligible for SSDI, and the spouse must meet the eligibility criteria mentioned earlier.
Are there any limitations on a spouse’s income when receiving benefits?
If a spouse is receiving Social Security Disability Benefits, their own income from work or other sources will not affect the amount of benefits they receive. However, if the spouse continues to work while receiving benefits before reaching full retirement age, there may be an income limit, and some of their benefits may be subject to taxation.
Understanding Social Security Disability Benefits for spouses is important, as it can provide valuable financial support during challenging times. For Social Security Disability representation, please contact Sage Disability at 800-316-2794, or www.sagedisability.com, for a free consultation with a disability specialist. If you meet the criteria, a disability specialist will be assigned to walk you through the entire process. With Sage Disability, an experienced SSD specialist will file your application correctly the first time and help you avoid denials, at no out-of-pocket costs to you. You don’t pay unless we win your case. Don’t take any chances when filing or appealing a disability claim. Get help from a disability firm with 50 years’ experience.