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CGCPA
CGCPA, CPA
Category: Social Security
Satisfied Customers: 3820
Experience:  My experience over the years has involved Social Security,
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A couple,man a widower age 83 receives Social security (he

Customer Question

A couple,man a widower age 83 receives Social security (he is retired),woman age 72,
retired also receives Social Security, have been a couple for awhile would like to marry are there penalties for doing that or can we just go on collecting our individual SS ?
Submitted: 11 months ago.
Category: Social Security
Expert:  CGCPA replied 11 months ago.

You can continue to receive your individual benefits without any penalties or reductions. However, if one spouse is receiving less than 1/2 the benefit of the other there is the option, once you are married, for that spouse to receive 1/2 the higher benefit. This is not required of either of you but is something to at least consider if there is a large disparity in the benefits you are receiving. It does require applying for that change once you are married but will not pose a problem. The benefit which is greater will not be impacted.