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When are my SSD benefits payable to my spouse?

Social Security disability has various federal regulations and requirements for a person to receive it. One of the most frequent concerns of people in Florida regarding Social Security disability benefits is whether or not they will be payable to a spouse. The answer is yes, but there are certain criteria that must be in place.

There are two scenarios under which benefits paid to a person will transfer to a spouse. One is if the spouse is 62 or older and doesn't collect a higher amount in Social Security from lifetime earnings. There will be a reduction in benefits on a permanent basis that will be calculated from the percentage until he or she reaches retirement age. The second scenario is if the spouse is caring for the beneficiary's child up to the age of 16. If the child is disabled, the benefits to the spouse would be ongoing up until the child turns 16. At that time, the child will receive benefits, but the spouse will not unless he or she has reached the age to be given Social Security retirement benefits. This is for people 62 or older. If it is a widow or widower, then the age is 60.

The spouse who is able to receive Social Security after retirement will receive that payment. The benefits will always reach the higher amount regardless of the combination. When the spouse is getting a pension that is from a job such as working for the government, this could influence the benefits. There are jobs that Social Security does not cover.

Since SSD benefits are such an important factor in people making ends meet for themselves and their families, it's often a worry as to whether the benefits are payable to the spouse. This is especially important if there are children involved. The ages and individual issues are important and will factor in to the benefits being transferred to the spouse. If there are concerns about anything involved with the Social Security disability process, getting assistance from an experienced legal professional can help.

Source: U.S. Social Security Administration, "Disability Planner: Benefits For Your Spouse," accessed on Oct. 8, 2014

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