If both of a married couple meet Social Security’s definition of disability – each has an illness or injury that largely prevents them from working for at least a year or will likely result in death – both can collect Social Security Disability Insurance (SSDI).
As with Social Security retirement benefits, a spouse’s benefit status does not affect eligibility for SSDI, and payment amounts are calculated based on each person’s work history and income. anybody.
If only one spouse receives SSDI, the other may be entitled to spousal benefits. These work the same with a disabled partner as with a retired partner: the non-disabled spouse can receive up to 50% of the amount of the SSDI beneficiary’s benefit, depending on the age of the spouse and ‘other eligibility criteria.
In the case of Supplementary Security Income (SSI), the other Social Security administered benefit available to people with disabilities, having a spouse who is also eligible for the program does not affect your eligibility. But this will likely change the amount of your benefits.
The SSI is intended for the elderly, disabled and blind with little or no income and limited financial resources. Benefits under the program are not based on a person’s lifetime earnings, as is the case with SSDI. Instead, Social Security sets a monthly cap on SSI payments and may reduce them based on the recipient’s income at that time.
The maximum SSI benefit for individuals is $ 794 per month, rising to $ 841 in 2022. However, if two spouses both collect SSI, Social Security applies a couples rate of $ 1,191, rising to 1 $ 261 in 2022. While two people married to each other may qualify for SSI, collectively they may receive less than they could as individuals, based on their joint income, due to the fact that they have children and other factors.